Search found 252 matches

by UALflyer
Mon Nov 19, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2795

Re: My car was totaled. Do any of you have experience with this process?

And our insurer really helped with the interactions with the driver's insurer, including about this. You had a third party claim against another driver's insurance company, while the OP has a first party claim against his own insurance company. When you have a third party claim, you are not bound b...
by UALflyer
Mon Nov 19, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2795

Re: My car was totaled. Do any of you have experience with this process?

For starters, in terms of "value" you'd want to negotiate with your insurer, start now to search CarMax and other similar sites (also dealers who have used cars), and see if you can find a few same year/similar model (including trim level and other add-ons), and print those out. Don't accept anythi...
by UALflyer
Fri Nov 09, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1327

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

1) There is no negotiating in 'normal' insurance. The rate structure has to be filed with the state's insurance commissioner and they cannot just discount it. The problem appears to be that your broker does not have the rate calculation tools that an appointed agent with Chubb would have. So, s/he ...
by UALflyer
Fri Nov 09, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1327

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

Big fan of Hartford insurance. Great service and low cost. Have had claims and they were settled fast and pain less. Friends lost whole house in forest fires and were treated great. Same for lots of their neighbos. So Hartford does good by customers. Call them or go to AARP and they will route you ...
by UALflyer
Fri Nov 02, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1761

Re: Nationwide Private Client

Had he shared that upfront I wouldn't have weighed in because I wouldn't know the implications of such a high value need. What I am trying to say is that regardless of a high value need, if you can qualify for a high value policy and it is priced competitively for you, you should absolutely take it...
by UALflyer
Fri Nov 02, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1761

Re: Nationwide Private Client

NWPC is one of the better HNW carriers out there. Chubb and AIG are also good. There isn't really a bad HNW carrier out there. Their coverage options are all similarly phenomenal, as is their claims handling. There are some differences, but I wouldn't pay significantly more for one than for another...
by UALflyer
Fri Nov 02, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1761

Re: Nationwide Private Client

I would take your findings back to Amica and ask them to evaluate your current coverage against your potential preferred option. It can't hurt and may certainly be enlightening. Cheers He can do that, but Nationwide Private Client, Chubb, PURE and AIG Private Client offer the types of coverage and ...
by UALflyer
Fri Nov 02, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2173

Re: Need New Phone?

This is a lot of phone for the money, but there are plenty of financially attractive options out there. If you want iOS, for instance, with a number of deals an iPhone XR can be purchased for $300-$450 without any trade-ins. Keep hearing that the iPhone XR is a great choice but the most basic XR is...
by UALflyer
Fri Nov 02, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Need New Phone?
Replies: 17
Views: 2173

Re: Need New Phone?

This is a lot of phone for the money, but there are plenty of financially attractive options out there. If you want iOS, for instance, with a number of deals an iPhone XR can be purchased for $300-$450 without any trade-ins.
by UALflyer
Wed Oct 10, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4382

Re: New Car: No Collision/Comprehensive?

Some people might assume that they can easily cover replacement costs of their vehicle. However what if the same thing happens again in 1 month with the replacement vehicle they purchased themselves? That's a good point that I hadn't considered before. However, the likelihood of having two vehicles...
by UALflyer
Wed Oct 10, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4382

Re: New Car: No Collision/Comprehensive?

I have had two cars repaired using insurance coverage. Both were unsatisfactory in that the insurer dictated the use of parts that proved to be unacceptable, causing long delays in getting the cars back. This can certainly happen. If you have rental car coverage on your policy, as you should, these...
by UALflyer
Wed Oct 10, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4382

Re: New Car: No Collision/Comprehensive?

My opinion is that insurance is only needed when you cannot afford the risk. If you can, why pay insurance companies for a service you can already afford yourself? Seems wasteful unless the mental satisfaction you derive from being insured is worth the premium. People get way too carried away think...
by UALflyer
Mon Oct 08, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7018

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by UALflyer
Mon Oct 08, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7018

Re: Got my new Iphone Xs

326p is less than 1080p TV HD. I can always tell when I see this in real life, especially something I hold so close to my eye. 1080p display is my minimum specs. Less than that looks a bit grainy to me. If you can't see a difference between HD and non HD screen, you have a bad eyes, just buy the XR...
by UALflyer
Thu Oct 04, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2261

Re: Carry On Luggage Recommendations

The OP said they will use this bag 3 or 4 times a year. Anything that isn't complete garbage should last them many years. That is generally true, as carry ons (particularly smaller carry ons that never or almost never have to be gate checked) tend to remain under your control and do not suffer near...
by UALflyer
Thu Oct 04, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2261

Re: Carry On Luggage Recommendations

We have two TravelPro Crew Spinner 21 carry-on's and one matching 25 that we check if going more than 3-5 days. I am not a luggage expert, but these have served us well for three plus years and we travel 3-4 times a year. She has bought cheaper (discount big box store) on the spur of the moment due...
by UALflyer
Thu Oct 04, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2261

Re: Carry On Luggage Recommendations

Just to point out something that some people don't realize, bags with the spinner wheels have less space. The 4 sets of wheels take away from usable packing space. That's correct. They are very handy for moving the bag while in a line or whatever, but if space is important to you, it is a sacrifice...
by UALflyer
Thu Oct 04, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2261

Re: Carry On Luggage Recommendations

Check out the other luggage threads. There are folks that spends hundreds on luggage and folks who spend almost nothing. I think the folks who buy new luggage on the cheap every few years have it right. That said, I have cheap luggage that is 24 years old and used often. As posted in other threads:...
by UALflyer
Tue Oct 02, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7018

Re: Got my new Iphone Xs

I got the Xs max for my wife and I. Great phone indeed. however, I really don't see the difference between OLED and lcd screen. Therefore, I recommend frugal bogleheads to buy the Xr version coming out next month in October for only $750 instead of Xs $1000. Save yourself $250. XR has a pixel densi...
by UALflyer
Mon Sep 17, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4212

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: 1945

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: 1344

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: 1344

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: 3109

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: 3109

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: 3109

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: 3109

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: 3109

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: 3109

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: 3109

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: 2176

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: 2176

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: 3159

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: 3159

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: 3159

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: 3159

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: 5356

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: 2049

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: 2049

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: 3718

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: 3718

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: 1107

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: 1107

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: 2395

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: 2395

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: 2808

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: 2028

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: 2028

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: 2028

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: 2028

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...