Search found 209 matches

by UALflyer
Thu Jul 19, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 21
Views: 1701

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: 21
Views: 1701

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: 26
Views: 2094

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: 27
Views: 1392

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: 27
Views: 1392

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: 27
Views: 1392

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: 27
Views: 1392

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: 27
Views: 1392

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: 27
Views: 1392

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: 705

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: 705

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: 96
Views: 10402

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: 3253

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: 1797

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: 3253

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: 96
Views: 10402

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: 96
Views: 10402

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: 96
Views: 10402

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: 96
Views: 10402

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: 96
Views: 10402

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: 96
Views: 10402

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: 96
Views: 10402

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: 3643

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: 3643

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: 3643

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: 5700

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 ...
by UALflyer
Tue Jun 12, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5700

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

I dropped collision and comprehensive on my 10 year old truck with about 95K miles. The truck is probably worth around $8K. I also dropped rental and towing coverage at the same time. My reasoning - I only insure things I can't easily afford. Dropping collision saved me $300/year and dropping compr...
by UALflyer
Mon Jun 11, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5700

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

It is important to note that even with something like $1k deductible it is sometimes better to just pay for a repair rather than file a claim and then have your rates go up soon afterwards (very likely if there is another claim within a short period of time). As an example if car (worth $6K) needs ...
by UALflyer
Thu Jun 07, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3253

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

Most HO policies are written on standard Bureau forms with a few minor variations. Most residential homeowner's insurance policies are based on the HO3 form (or, some of the better ones, on the HO5 form), but it doesn't mean what your posts suggests that it means, which is that contractual features...
by UALflyer
Thu Jun 07, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3253

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

If you can buy it. I am a HNW investor and experiencing a regional issue with them. I have been trying to buy $10m umbrella from Chubb for over a year, they only have two reps in my current state one of which only does businesses, the other of which has been promising policy details and not deliver...
by UALflyer
Wed Jun 06, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3253

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

Chubb covers the HNW market. That's correct. If you have normal insurance needs, Chubb may be no better than the mass market carriers. If you don't fit their target market, they are likely to refuse to insure you or, if you are not in their sweet spot, they may not be attractively priced. The cover...
by UALflyer
Wed Jun 06, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5700

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

On the other hand, paying $100/year in exchange for a possible $3,000 payout requires you to make just one claim in the next 30 years to break even or to come out ahead. Given these numbers, you are exceedingly likely to come out ahead and would be crazy to turn down this coverage. Question: assume...
by UALflyer
Wed Jun 06, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5700

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

I take it off when I could write a check to replace it without transferring money into my checking account. Somewhere about $3000 - $4000. Insurance companies make money, I only insure things that would be painful to replace. People get way too carried away thinking that they'll save money by elimi...
by UALflyer
Wed Jun 06, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5700

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

Insurance companies make money, I only insure things that would be painful to replace. This. If the cost to replace is less than 10% of your liquid, non-retirement assets, insurance isn't "necessary" in my mind. To me, the decision has very little to do with whether I am able to absorb the loss, an...
by UALflyer
Wed Jun 06, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3253

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

So for you is chubb or amica better. Im confused. Why did you go with the company Chubb and other insurance companies like it tend to offer the types of service and policy features that standard insurance companies, like Amica, can only dream about. If you happen to be in their sweet spot, these hi...
by UALflyer
Tue Jun 05, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3253

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

If you shop just on price you may regret it if you ever have a claim. Since USAA is not an option, I would strongly suggest Amica. Other members here like Geico. I completely agree with the premise, but would caution you about the conclusion. Insurance pricing is highly individualized, and there ca...
by UALflyer
Tue Jun 05, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5295

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

I don't have the link at hand, but I know I saw a chart of air obstruction or whatever it's called where some cheapo filters were worse. Again, for identically sized filters, this is simply not possible. If you have two identically sized filters, but one is capturing significantly more particles th...
by UALflyer
Tue Jun 05, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3075

Re: Should I replace my water heater?

Am I the only one who expects that a drain pan will include a drain to allow the water to "drain". In my case, while the bottom didn't fall out of the water tank, it certainly did leak at a pretty good rate. The drain easily prevented the pan from overflowing. A 3/4" pipe can output 20+ gallons a m...
by UALflyer
Tue Jun 05, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3075

Re: Should I replace my water heater?

Am I the only one who expects that a drain pan will include a drain to allow the water to "drain". In my case, while the bottom didn't fall out of the water tank, it certainly did leak at a pretty good rate. The drain easily prevented the pan from overflowing. A drain pan is just that, a pan to con...
by UALflyer
Tue Jun 05, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5295

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Some of the cheap filters actually block more air than the expensive allergy filters. They don't, at least not if they are the same size. Here's a MERV rating chart: http://www.mechreps.com/PDF/Merv_Rating_Chart.pdf All allergy filters are designed to trap allergens, which, by definition, requires ...
by UALflyer
Tue Jun 05, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3075

Re: Should I replace my water heater?

People are talking about installing a drain pan, as if it will somehow prevent a disaster. A drain pan should certainly be installed, and in many cases the local codes require it, but it only holds a few gallons. If you don't notice the leak very quickly (it's not as critical if there's a drain), or...
by UALflyer
Tue Jun 05, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2150

Re: Water Heaters

Worst case scenario get it replaced by a contractor within a day. Worst case scenario is a catastrophic failure, which would result in a massive disaster. Most of the time water heaters do develop a slow leak, which gives you time to replace them, but catastrophic failures are also not that uncommon.
by UALflyer
Tue May 29, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 29625

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

So has anyone had claim service from GEICO (or State Farm or Progressive) and was it OK? Thanks. What's your definition of "ok"? For instance, one of the posters responded to your question above and mentioned that he had a windshield replacement claim with GEICO, which was not an issue. If you were...
by UALflyer
Mon May 28, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 29625

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

Price is nice, but SERVICE is important. Price USAA (if you qualify) and AMICA to compare. We've been with AMICA for nearly 40 years and their service cannot be beat. I've experienced a couple of auto claims with AMICA and was rather disappointed. In one case in particular, their handling of the cl...
by UALflyer
Sat May 26, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 29625

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

I have heard that Geico doesn't write its own homeowners insurance, just auto and umbrella insurance, so you're really dealing with a mystery insurance provider if you go through Geico. I have used State Farm. GEICO is an auto insurance company. If you want homeowner's coverage, you go through thei...
by UALflyer
Sat May 26, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 29625

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

Price is nice, but SERVICE is important. Price USAA (if you qualify) and AMICA to compare. We've been with AMICA for nearly 40 years and their service cannot be beat. I've experienced a couple of auto claims with AMICA and was rather disappointed. In one case in particular, their handling of the cl...
by UALflyer
Sun May 20, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1231

Re: Air conditioner recommendations?

In my case all the software pointed to 3 tons but it's not enough for triple digit temperatures, even after adding much better windows, more insulation, etc. Each area has a certain design temperature, and the a/c system is set up to handle that temperature. When the actual temperatures in the area...
by UALflyer
Sun May 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1231

Re: Air conditioner recommendations?

Can you explain how the furnace has anything to do with the SEER? I was always under the impression that SEER was for cooling only. Thanks. Correct, but your furnace does a lot more than just heat the air. Your furnace contains an air handler, or blower, which has a fan that distributes cool air (a...
by UALflyer
Sun May 20, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1231

Re: Air conditioner recommendations?

In Houston I would go with the XC17. It should be a quieter unit. The 17 or 18 SEER is worth the $1,100 over the 15 SEER with all those hot days. I get that people are trying to be helpful, but really wish that they would stop responding to questions that they know nothing about. Unfortunately, no ...
by UALflyer
Fri May 11, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2863

Re: 36" or 42" wide Refrigerator?

If you want the look of built-in or integrated there are multiple brands such as Sub Zero, Miele, and Thermador and they do come in standard sizes but the cabinet panels that go on the doors are specific to each unit. Miele and Thermador are the same refrigerator (with slightly different aesthetics...