Search found 626 matches

by batpot
Wed Nov 07, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5334

Re: Car rentals, what is the catch?

I get a good discount through my job. It's rare my corporate discount is ever beaten, even by the "small" companies. That being said, booking through Chase Sapphire portal has proved to be a huge savings, as taxes tend to not be included. I recall one trip we used $70 worth of points instead of a $2...
by batpot
Tue Oct 30, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 1603

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

gator15 wrote:
Sun Oct 28, 2018 10:18 pm
Get a love sac.
:o
never knew such a thing existed
by batpot
Tue Oct 30, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 4747

Re: water softener for whole house?

I live in Arizona and had a whole house water softeners three times. We never liked them much. I find they make the water "slick and slimy feeling". So we no longer have one even though our house is plumbed for one. We use a counter top Britta carbon filter for cooking water and a in line carbon fi...
by batpot
Tue Oct 30, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2347

Re: Highlander or Murano 2018 ..

I understand the Highlander may have higher resale and reliability but $2400 is a lot of money to make up. Also, the Highlander is a 2013 model to be redesigned in less than a year for the 2020 model, I'm more inclined to choose the Murano so I'm not driving an old car in 1 year. I would far rather...
by batpot
Tue Oct 30, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5193

Re: People with older car, share your unusual repairs

First car: 1990 Dodge Dynasty Fake wood panels fell off in summer heat; tried regluing, and it also melted; stopped trying. Carried a case of oil in the trunk; would add a 0.5-1 quart with every fill up; remember at least one occasion where it it passed emission test with technician waving and cough...
by batpot
Mon Oct 29, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100232

Re: Netflix, Your Current Favorite Show

Fargo , on Hulu. Wow - that's all I can say about the first episode. I'm hooked. I've heard the 2nd and 3rd seasons weren't as good, but I'll still watch them. Fargo is fantastic. I think I like the 2nd season more than the first. The 3rd slips just a bit, but is still great. The writer, Noah Hawle...
by batpot
Wed Oct 24, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8046

Re: Black Friday is coming.. what's on your list?

dziuniek wrote:
Thu Oct 11, 2018 12:37 pm
New headunit and speakers for the MR2-S ... just maybe....

Aslo... google chromecast, maybe.
Just got a Pioneer AVH-W4400NEX for my wife's car.
Have had an AVH-4200NEX for about a year in my car, and love it. Android Auto is a game changer.
by batpot
Wed Oct 24, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1370

Re: Hulu & NBC

Local channels are completely different depending on they city you are in. The bigger the city, the more likely (just likely) to have all 4 locals included with your streaming package. In our area (130k population), only Hulu Live TV has all 4 local networks. Sony Vue has 3 (no ABC). DirecTVNow has...
by batpot
Wed Oct 24, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1370

Re: Hulu & NBC

Hulu TV also has a huge flaw in the way they air programs: it only plays for the allotted time slot; if the game goes long (e.g. over time), it just cuts off. It doesn't have a conventional guide like the competition, that let you just play whatever is on a particular channel. Youtube TV and DirecTV...
by batpot
Wed Oct 24, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4809

Re: Dental Mishap

braces and orthodontia for baby teeth?

Sounds like you need a new dentist and orthodontist.
by batpot
Tue Oct 16, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Why buy thicker hardwood?
Replies: 16
Views: 2244

Re: Why buy thicker hardwood?

Mingus wrote:
Tue Oct 16, 2018 8:43 pm
batpot wrote:
Tue Oct 16, 2018 8:41 pm
100 year warranty
Sigh
I know.... Believe that stuff is very thin veneer, and likely discontinued due to formaldehyde, but still, why 3/4 vs 3/8 assuming both are solid wood?
by batpot
Tue Oct 16, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Why buy thicker hardwood?
Replies: 16
Views: 2244

Why buy thicker hardwood?

EDIT... Not quite apples to apples, but gyst of question still stands ... For example, 3/8" $4 (this is actually solid wood): https://www.lumberliquidators.com/ll/c/Select-Brazilian-Koa-Builder%27s-Pride-BPKO3S38V/10042819 Vs virtually the same thing, but 3/4" think for $6 https://www.lumberliquidat...
by batpot
Thu Oct 11, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7289

Re: My life saved by New subaru. Almost died.

WhiteMaxima wrote:
Thu Oct 11, 2018 12:35 pm
Thanks for sharing. I will forward to my DW. She is thinking about a Porsche Macan. I suggested her a loaded Subaru Outback at 1/2 of the price of a base Macan.
Good luck.
by batpot
Wed Oct 10, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Questions about adding bluetooth to an older car via a "head unit"/receiver
Replies: 4
Views: 423

Re: Questions about adding bluetooth to an older car via a "head unit"/receiver

A Double Din head unit with Android Auto is a massive upgrade for any car.
And keeps you legal (hands free).

Amazon also lets you put in a car make/model/year and get dash kits, and wiring harnesses that fit.
by batpot
Wed Oct 10, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1022

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

There's no such thing as a vanilla Samsung; they always stuff tons of bloatware on their phones. Get a moto. Not true, this isn't 2010 anymore. Samsung doesn't load tons of bloat anymore. You get Bixby which some ppl hate/love but that's about it. They are adding less and less bloat to their phone....
by batpot
Tue Oct 09, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1022

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

There's no such thing as a vanilla Samsung; they always stuff tons of bloatware on their phones.

Get a moto.
by batpot
Tue Oct 09, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 242
Views: 40973

Re: [Ally online savings now at 1.80%]

EBSB Direct has a 2.5% straight savings account.
Planning to consolidate and move to that.
by batpot
Mon Oct 08, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3818
Views: 1077819

Re: What Movie Have You Recently Watched?

Maniac on Netflix. Really enjoyed it.
Fukunaga channels Charlie Kaufman (Eternal Sunshine of the Spotless Mind, Adaptation, Being John Malkovich, others) and Kubrick.
by batpot
Mon Oct 08, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3457

Re: What are your strategies when shopping for a house?

Ditto: location location location.

You might also want to drop your agent. You have no contract with a buying agent.
Some a great.
by batpot
Thu Oct 04, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC to Pay off Mortgage
Replies: 36
Views: 3339

Re: HELOC to Pay off Mortgage

There's a few Credit Unions still offering <3% HELOC rates for 12 months.
And when the 12 months expire, roll into another HELOC at another institution as a similar rate.
Rinse, repeat, until those promo rates expire. Hopefully you've paid it in full before they do.
by batpot
Thu Oct 04, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1377

Re: Charles Murray's and Jordan Peterson's book

Is that the same Charles Murray who co-authored The Bell Curve: Intelligence and Class Structure in American Life? If so, you should be aware that his views on race are controversial, and that he's political. See the Southern Poverty Law Center's profile and his Wikipedia biography . It is. Peterso...
by batpot
Wed Oct 03, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: social considerations with gaming credit cards
Replies: 21
Views: 2563

Re: social considerations with gaming credit cards

According to Planet Money on NPR, the poor are paying for the rewards cards... just like the lottery. https://www.npr.org/sections/money/2010/07/27/128797815/credit-card-rewards-the-poor-pay-the-rich-benefit The lottery is a terrible analogy... The reddit thread stated it better: Those who don't us...
by batpot
Wed Oct 03, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6988

Re: Got my new Iphone Xs

Spent $160 on my new Moto Z2 Force.
by batpot
Fri Sep 28, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3497

Re: Good flip flops

Teva for flip flops.
Never found a reason/need to spend more than ~$20.

For sandals, bought a pair of bedrocks earlier this year, and they're good, but the footbed is more firm than I'd like.
by batpot
Thu Sep 06, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4964

Re: To Be or Not to Be...Married

On a purely financial basis...marriage makes little sense.
by batpot
Wed Sep 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1267

Re: Your experience with Nitrous for a dental implant?

You'll still be conscious with nitrous, but less so than with just a local (i.e. novacane). I would have preferred nitrous over the anesthesia my dental surgeon insisted on when I had my wisdom teeth removed. If nitrous is an option, take it. Then watch Little Shop of Horrors while you're recovering...
by batpot
Wed Aug 29, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Comcast Cell Phone Thingie
Replies: 4
Views: 472

Re: Comcast Cell Phone Thingie

Don't see how anyone saves money on this plan, unless they use very low data.
https://www.xfinity.com/mobile/
by batpot
Mon Jul 30, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10942

Re: Peloton spin bike worth the high cost?

Never done a spin class - does the resistance change?

Been casually looking for an auto resistance changing trainer for use with Zwift.
What's a good way to get that on the cheap?
by batpot
Wed Jul 25, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Personal Alarm (130 decibels)
Replies: 8
Views: 809

Re: Personal Alarm (130 decibels)

I'd like to buy one of these for my 20-something daughter and my wife. There are many of them on Amazon. Some are triggered by a button, others by a pull chain. However, the reviews are varied, with some people complaining that the device goes off too easily. Also, I have to wonder whether an attac...
by batpot
Tue Jul 10, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 28
Views: 2993

Re: Travel credit cards

The real advantage of the CSR is redemption at the Chase Portal.
We were able to net about 6-7% cash back by redeeming the points for rental cars and Hyatt Hotels.
I never bothered to keep records, but estimate saving roughly $5k with that card over 1.5 years.
by batpot
Mon Jul 09, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2797

Re: Prepaid cell phone plan vs Regular Contract Plan

How many minutes and data do you use in a month?

I've been very underwhelmed by T-Mobile's coverage area.

ConsumerCellular is an AT&T MVNO that works great, and will save you a ton, provided you don't have large voice requirements.
And you won't have to change phones.
by batpot
Thu Jul 05, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3341

Re: Owning 3 vehicles

The one thing I don't like about owning 3 cars with 2 drivers is the insurance premium for the 3rd car is priced as though all 3 cars are being driven at the same time. The discount for the 3rd car is small. With 3 cars/2 drivers, only 2 can physically be driven at a time. Seems like the insurance ...
by batpot
Thu Jul 05, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4316

Re: Anyone Tried Youtube TV Yet?

DirecTV Now is really good , especially when HBO only costs $5/mo, but it doesn't have some reliability issues sometimes. Did a week trial of Hulu TV, and it was awful, but worst of all we watched a March Madness game which went to overtime, and Hulu cut it off as soon as it exceeded its original ti...
by batpot
Wed May 16, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 4283

Re: I will be laid off but can not get unemployment benefits?

Do you have a business license for the stuff you sell on Amazon?
by batpot
Wed May 16, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3370

Re: Brake work estimate

Seems high. If they didn't even mention "turning the rotors" you probably don't need new ones. Take it to a place that will at least evaluate that first. Just a few weeks ago I got new pads and rotors done on a 2010 Rav4 in a HCOL area for $320 with tax. Pretty sure you can do better than that estim...
by batpot
Wed May 16, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 7556

Re: Unique Phone Apps that you find yourself using most often?

I recently installed the Slick Deals app after years of using their website and found it to be a great time saver

Feedly is great for news feeds, but I mostly just use it for reddit

others I use daily:
ColorNote
Clipper
by batpot
Wed May 02, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: 1st Time Home Purchase Experience
Replies: 12
Views: 2155

Re: 1st Time Home Purchase Experience

One day about 30 days out from settlement date, I saw a regional bank offering 3.95% online. I called them immediately, and my wife and I had signed and uploaded all their forms and requested documents by the end of the day. The following day we got a written loan estimate approving us for 3.95%. W...
by batpot
Wed May 02, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 3200

Re: What Android browser do you use?

Dolphin Zero ~80% of the time; is my default browser.
Chrome the rest.

Firefox was way too buggy for a bunch of sites, and would often crash or be slow.
Chrome doesn't have a way to force always incognito.

Might have to check out Brave.
by batpot
Fri Apr 27, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on Gifted Land
Replies: 3
Views: 329

Re: Tax on Gifted Land

You could use the tax appraisal from 2 years ago as the tax basis.

Also very recent thread on almost exactly the same subject:
viewtopic.php?f=2&t=248064
by batpot
Fri Apr 27, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: pay extra principal to remove mortgage insurance or contribute to 403b?
Replies: 5
Views: 548

Re: pay extra principal to remove mortgage insurance or contribute to 403b?

PMI deduction was barely maintained for 2017.
There is also a AGI limit of $109k.
by batpot
Thu Apr 26, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question: inherited real estate - how to get a tax basis?
Replies: 17
Views: 1697

Re: Quick question: inherited real estate - how to get a tax basis?

I didn't think of it right away, and was able to get a back-dated appraisal, but it was only about a year after the fact.

Good plan!
by batpot
Mon Apr 16, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HELOCs?
Replies: 7
Views: 846

Re: Multiple HELOCs?

So what did you end up doing? I am considering doing a HELOC churn. That is: assuming I can find a lender who will grant us a HELOC in the 3rd position w/ the promise of it becoming the 2nd position after we use it to pay down the first one...we'd be coming out way ahead, even paying the early term...
by batpot
Mon Apr 16, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HELOCs?
Replies: 7
Views: 846

Re: Multiple HELOCs?

So what did you end up doing? I am considering doing a HELOC churn. That is: assuming I can find a lender who will grant us a HELOC in the 3rd position w/ the promise of it becoming the 2nd position after we use it to pay down the first one...we'd be coming out way ahead, even paying the early termi...
by batpot
Thu Apr 12, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1821

Re: Mini Air Compressor

Spend a little extra for California Air Tools.
They're very quiet, and very reliable.
by batpot
Thu Apr 12, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8183

Re: Passport photo DIY - anyone done it easily?

For something that you only have to do once a decade, and costs less than 15 bucks tops, I'm amazed there's this much discussion on the subject.
by batpot
Thu Apr 12, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8183

Re: Passport photo DIY - anyone done it easily?

spent $12 and about 5 minutes at the local drug store.
by batpot
Mon Mar 12, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9009

Re: Finally Cutting the Cord - YouTube TV

Really, we don't need devices (with mechanical hard drives) or cloud storage that can record content. We just need that content to be made available when we watch it. that's just the thing though: w/out a DVR, it might not be available when you want to watch it. Just like how DishNetwork/DirecTV ha...
by batpot
Mon Mar 12, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9009

Re: Finally Cutting the Cord - YouTube TV

I was referring to Hulu Live TV, which is just like Direct TV Now/Youtube TV:
https://www.hulu.com/live-tv
by batpot
Mon Mar 12, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9009

Re: Finally Cutting the Cord - YouTube TV

Just got a month of Direct TV Now and a 4k Fire for ~$3.50 in tax (after a $35 promo credit from Bank of America credit card). Haven't hooked up the Fire TV yet, but Direct TV Now has been fine so far. Moving the family to my own AT&T account will also get us free HBO, and I think save us a bit on A...
by batpot
Tue Feb 27, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 29
Views: 3559

Re: Open a HELOC? With whom?

Did this a little over a year ago. Credit Union would not loan us more conforming loan limit, which was odd. (so primary mortgage principal + HELOC amount <= conforming loan limit). Ended up going w/ US Bank, which charges $90/year, but not until the end of the first year. Paid nothing else out of p...