Search found 281 matches

by DTalos
Wed Nov 13, 2019 2:25 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 18
Views: 1013

Apple TV vs Competitors

What are the main differences between an Apple TV for around $180 and an Amazon Firestick? I own the latter and am very satisfied with it. Does the content/programming vary significantly between Apple TV, Roku and Amazon Firestick to where a good number of consumers own all three?
by DTalos
Sat Nov 09, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2807

Re: House for Sale--How Much to Tell Potential Buyer

If one of these particular houses are for sale, what do you all think of initiating a conversation with people after they exit the open house, praising the neighborhood, but letting them know of the daily leaf blower noise? Why is it any of your business? It's not my direct business, since I am not...
by DTalos
Sat Nov 09, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2807

House for Sale--How Much to Tell Potential Buyer

There are some houses in my development that are located adjacent to a business. The business owner employs a landscaper to blow the parking lot daily in the early morning with a loud leaf blower. The noise ordinance in my city does not apply to leaf blowers or landscaping/construction, therefore th...
by DTalos
Sat Nov 09, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1274

Re: What is reasonable HOA reserve?

A reserve study showing that reserves are at least 70% fully funded presently and for the foreseeable future is excellent.
by DTalos
Tue Oct 29, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: "Coming Soon" Sign on House for Sale
Replies: 6
Views: 1032

"Coming Soon" Sign on House for Sale

I've noticed a trend (or perhaps it's been around for many years and only come to my area lately) where real estate agents will post what is essentially a "For Sale" sign, but with a rider that states "Coming Soon." Additionally, there have been some houses for sale with no sign in the front yard, a...
by DTalos
Tue Oct 29, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Gated Community--Balancing Security/Access
Replies: 20
Views: 1344

Re: Gated Community--Balancing Security/Access

I think the best part of a gated community is that it tremendously reduces the amount of looky-loo traffic, which then extends the life of the asphalt.There is a real estate agent who cruises the neighborhood periodically presumably knowing full well there are no houses for sales when he enters the ...
by DTalos
Tue Oct 29, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Gated Community--Balancing Security/Access
Replies: 20
Views: 1344

Re: Gated Community--Balancing Security/Access

I've lived in several gated communities and found all the unmanned systems are more of a nuisance than they are worth. We now live in a gated community with 24/7 manned gates for visitors. There is a guest list for each resident at the gate. The gate opens automatically for residents by sensing a s...
by DTalos
Tue Oct 29, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Gated Community--Balancing Security/Access
Replies: 20
Views: 1344

Gated Community--Balancing Security/Access

For those who live in a gated community, how do you balance access with security? I live in a gated community where there is a call box, but a master code that is given to all residents (presumably because some people are too lazy or cheap to purchase a remote control and simply enter the code at th...
by DTalos
Mon Oct 14, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1540

Re: Credit Card Cancellating and Insurance Rates

I know it's been reinforced that cancelling the 20 year old credit card will lower a credit score, but is there still the same impact if a new card is opened first and then a few weeks later, the 20 year old card is cancelled?
by DTalos
Sun Oct 13, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

Since it has been reinforced that it is not recommended to close my current card before opening another one, will there be a significant hit to my credit score if I open a new card first and then two weeks later close the 20 year old card?
by DTalos
Sun Oct 13, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Airline Miles for Gift Cards---Tampering
Replies: 8
Views: 941

Re: Airline Miles for Gift Cards---Tampering

A lot of gift cards have pin numbers that you have to scratch off. Assuming this is un-tampered, can an unscrupulous employee still use the card if he/she has written down the general card number and not the pin number? Pin means nothing. "Some retailers' cards use PIN numbers in addition to the nu...
by DTalos
Sun Oct 13, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Airline Miles for Gift Cards---Tampering
Replies: 8
Views: 941

Re: Airline Miles for Gift Cards---Tampering

A lot of gift cards have pin numbers that you have to scratch off. Assuming this is un-tampered, can an unscrupulous employee still use the card if he/she has written down the general card number and not the pin number?
by DTalos
Sun Oct 13, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

After learning that customer service for the Amazon Chase Visa is foreign based, I am no longer interested in that card. If that’s part of your key criteria, it will likely heavily limit your choices, at least with no annual fee cards with lucrative cash back since many/most outsource at least some...
by DTalos
Sun Oct 13, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Airline Miles for Gift Cards---Tampering
Replies: 8
Views: 941

Airline Miles for Gift Cards---Tampering

First off, yes I know that using airline mile for gift cards isn't the best use of those miles. Are there any current problems with receiving Amazon, Wal-Mart or Target gift cards for 3rd party fulfillment centers that have a zero balance? Are certain gift cards more prone to tampering by employees ...
by DTalos
Sat Oct 12, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

From https://thepointsguy.com/guides/how-credit-scores-work/ 3. Worrying about your oldest account. While your average account age is a minor factor in your credit score, I’ve heard many people proclaim that you must not close your oldest account. That’s nonsense, since the closed account will cont...
by DTalos
Sat Oct 12, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1540

Re: Credit Card Cancellating and Insurance Rates

I don't know if this makes a different or not, but the person I am writing this for (doesn't use internet) has a credit card history going back 60 years with never a late payment and has only had one open credit card at a time, each for about 20 years, so let's say 3 credit cards his entire life.
by DTalos
Sat Oct 12, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1540

Re: Credit Card Cancellating and Insurance Rates

Formulas are proprietary. https://www.creditcards.com/credit-card-news/average-credit-account-age-fico-score-1586.php https://www.nerdwallet.com/blog/finance/credit-age-length-of-credit-history/ Your insurance score is impacted by your credit score. Again, proprietary. Being propriety, there is no ...
by DTalos
Sat Oct 12, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1540

Re: Credit Card Cancellating and Insurance Rates

I plan to cancel a credit card I have had for 20 years because the annual fee doesn't provide a good cost-benefit for me, and the company refuses to waive it. I cannot downgrade to a no-fee card with the same company. This is my only credit card. Are you planning to not have any credit card going f...
by DTalos
Sat Oct 12, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1540

Credit Card Cancellating and Insurance Rates

I plan to cancel a credit card I have had for 20 years because the annual fee doesn't provide a good cost-benefit for me, and the company refuses to waive it. I cannot downgrade to a no-fee card with the same company. This is my only credit card. I have read conflicting information on how severely t...
by DTalos
Sat Oct 12, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

From https://thepointsguy.com/guides/how-credit-scores-work/ 3. Worrying about your oldest account. While your average account age is a minor factor in your credit score, I’ve heard many people proclaim that you must not close your oldest account. That’s nonsense, since the closed account will conti...
by DTalos
Sat Oct 12, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

I also have a negative balance on this card (meaning I overpaid last month). Is it a hassle to get that money back in the form of a check when cancelling a card, or is it automatic?
by DTalos
Sat Oct 12, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

I think 3000 points are worth around $50, when used for Southwest flights. Of course, it makes no sense to have a Southwest card, if you are not going to use the points for Southwest flights. Yes, I agree 100%. I used to fly with them a lot but not anymore. Just astonished that cancelling a credit ...
by DTalos
Sat Oct 12, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

According to https://www.doctorofcredit.com/best-downgrade-options-rules-for-each-card-issuer-rules/ "You cannot downgrade a co-branded card to a Chase card (e.g a Southwest card cannot be downgraded to the Chase Freedom) and vice versa Co-branded cards must be downgraded within the same brand. For ...
by DTalos
Sat Oct 12, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

Southwest Airlines Visa Since there is not a no fee Southwest Card, maybe see if chase would convert the card to the Amazon Rewards Visa that they also issue and that you are apparently considering anyway? At least Southwest gives an annual point bonus that is worth about as much as the annual fee ...
by DTalos
Sat Oct 12, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit card rewards game for a while, but the 3 card setup that Nate79 lays out is probably one of the best for OP's situation (cashback only, no annual fees). You can get away with only...
by DTalos
Sat Oct 12, 2019 1:45 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else. DC is a MasterCard. Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit ca...
by DTalos
Fri Oct 11, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

Next week, I plan to call and cancel that card. No sense in paying an annual fee when other cards offer the same benefits with no annual fee. Cancelling a 20 year card, your only card, will have a big negative impact on your credit score. If I don't ever plan to obtain a loan or a mortgage, then ho...
by DTalos
Fri Oct 11, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else. DC is a MasterCard. Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit ca...
by DTalos
Thu Oct 10, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4885

Best No Annual Fee Visa Credit Card with Cash Back

I am currently in the market for a no annual fee credit card that offers cash back rewards. I shop frequently on Amazon and at Costco. Both of those companies offer Visa credit cards with cash back, so naturally, I am considering those. Are there other excellent general (non-store affiliated) Visa c...
by DTalos
Thu Oct 10, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: POD/Add Beneficiary
Replies: 4
Views: 438

POD/Add Beneficiary

How easy or difficult is the process of adding a beneficiary to a checking or savings account or designating it a POD account? Can it be done online with most major mega banks?
by DTalos
Thu Sep 26, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

My experience with ebay (and I have over 700 feedback) is that they are WORTHLESS in dispute resolution. Good luck with your issue. Issue has been resolved. I will continue to use eBay to purchase difficult to find locally or on other mega online vendor websites. I am just lamenting the decline in ...
by DTalos
Thu Sep 26, 2019 4:16 am
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

Seller should not have closed case in his own and issued refund, thereby cancelling any prepaid shipping label if he really wanted item back. As an eBay seller myself, and a not quite perfect human being to boot, when I read things like this it just reinforces my growing conviction to move all my d...
by DTalos
Wed Sep 18, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

eBay monitors private messages between buyers and sellers. You don't think they would find it suspicious if a seller is trying to create a return label outside of a case and the buyer is cooperating? I went out of my way to be accommodating to a seller last month that never mailed an item to me. Ga...
by DTalos
Wed Sep 18, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

eBay monitors private messages between buyers and sellers. You don't think they would find it suspicious if a seller is trying to create a return label outside of a case and the buyer is cooperating? I went out of my way to be accommodating to a seller last month that never mailed an item to me. Gav...
by DTalos
Tue Sep 17, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

I’d go ahead and print out the pre-paid shipping label and send the item back. That way there is no question about your refund. The pre-paid shipping label is no longer available because the refund has been issued and the case closed per eBay. If the seller really wanted the item back before issuin...
by DTalos
Tue Sep 17, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

My streak of bad luck on eBay continues. Today, I received an order, where the listing description and photos indicated 7 different widgets, but I only received one. When I open a case in the resolution center, should I file it under "missing parts or pieces" or "item doesn't match listing descript...
by DTalos
Tue Sep 17, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

I think eBay issues the refund right away but you are still required to return the item afterwards. Contact the seller, say you thought part didn’t need to be returned due to refund and offer to return if another prepaid shipping label is sent to you. Mistakes are annoying but they happen. eBay doe...
by DTalos
Tue Sep 17, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

Kenkat wrote:
Tue Sep 17, 2019 2:02 pm
I would respond to the seller that you are/were unable to print out the prepaid shipping label to return the item since a refund has been issued and to let you know when one is available.

I don't wish to have any email communication with this seller.
by DTalos
Tue Sep 17, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

I’d go ahead and print out the pre-paid shipping label and send the item back. That way there is no question about your refund. The pre-paid shipping label is no longer available because the refund has been issued and the case closed per eBay. If the seller really wanted the item back before issuin...
by DTalos
Tue Sep 17, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

An update and question on this matter: A day after I formally opened a case (under missing parts) and described in detail that I only received 1 widget instead of the 7 different widgets in the listing description and photos, I receive an email from eBay indicating to please print out a pre-paid by ...
by DTalos
Tue Sep 10, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Amazon No Rush Shipping Credits
Replies: 1
Views: 661

Amazon No Rush Shipping Credits

I have thoroughly enjoyed watching the complete series of "The Americans" this past month with my free trial of Amazon Prime. For most of my orders, I selected "No Rush Shipping" to earn $1 digital credits, which indicates it can be used Prime Video. When my free trial ends and I am no longer a Prim...
by DTalos
Sun Sep 08, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: PayPal Refund Pending
Replies: 3
Views: 319

Re: PayPal Refund Pending

Man you are spun up on all this PayPal/Ebay stuff. This is totally normal. The seller didn't have a PayPal balance so it was pulled from their checking account and that can take up to a week to clear. Thank you. I will check my credit card account every few days. I admittedly have had some unfortun...
by DTalos
Sun Sep 08, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: PayPal Refund Pending
Replies: 3
Views: 319

PayPal Refund Pending

Four days ago, an eBay seller independently sent me a refund on an eBay purchase via PayPal. By independently, I mean that I did not formally open a case and the seller issued a refund because he could not find the item I paid for. The eBay transaction still shows a past expected delivery date and t...
by DTalos
Sat Sep 07, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

You should file a significantly not as described and not a item not received in my opinion. Honestly if the seller is trying to commit fraud they are dumb so I expect a mistake of some sort. The buyer is almost always right on Ebay so I expect buyer fraud (not accusing you of that, just a general o...
by DTalos
Sat Sep 07, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

The seller is better off just not sending you anything than try to mess with the sale after getting a price too low. Are you certain you bid on every item in the picture and not just one of many available widgets? I agree. If the seller didn't like the ending price, why not just cancel the sale, is...
by DTalos
Sat Sep 07, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

The seller is better off just not sending you anything than try to mess with the sale after getting a price too low. Are you certain you bid on every item in the picture and not just one of many available widgets? I agree. If the seller didn't like the ending price, why not just cancel the sale, is...
by DTalos
Sat Sep 07, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

I am not going to contact this seller. I am going straight to a case. What the seller did was intentional in my opinion. I was the only bidder and won an item that had 7 widgets worth $50. I won the auction for $15. The seller spent $7.35 to send me the lowest priced widget only. Okay dokey. I am a...
by DTalos
Sat Sep 07, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

Re: eBay Doesn't match Description or Photos or Missing Parts

I am not going to contact this seller. I am going straight to a case. What the seller did was intentional in my opinion. I was the only bidder and won an item that had 7 widgets worth $50. I won the auction for $15. The seller spent $7.35 to send me the lowest priced widget only.
by DTalos
Sat Sep 07, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2593

eBay Doesn't match Description or Photos or Missing Parts

My streak of bad luck on eBay continues. Today, I received an order, where the listing description and photos indicated 7 different widgets, but I only received one. When I open a case in the resolution center, should I file it under "missing parts or pieces" or "item doesn't match listing descripti...
by DTalos
Fri Sep 06, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: eBay Seller Retaliatory Feedback
Replies: 28
Views: 2190

Re: eBay Seller Retaliatory Feedback

Your feedback was removed because you mentioned that you opened a case. It is against eBay rules for leaving feedback to mention a case or outcome. So eBay would remove it if asked, and the seller obviously asked. Here is an acceptable negative feedback for your situation: "Seller did not ship item...