Search found 708 matches

by batpot
Thu Jun 13, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4465

Re: 40+% increase in auto policy (GEICO) - normal?

there's no such thing as customer loyalty in insurance.
Shop around.
by batpot
Thu Jun 13, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 3936

Re: Toyota Sienna tire replacement at 12k miles

I got 20k out of my run flats. They weigh more, have horrible handling characteristics, cost twice as much, and last half as long. To me, the benefits are negated by these facts; I rarely get a flat, now carry a 5th wheel in case I do...all while reducing my curb weight, and significantly reducing t...
by batpot
Tue May 21, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fair mortgage rate with great credit and 40% down payment?
Replies: 29
Views: 1359

Re: Fair mortgage rate with great credit and 40% down payment?

Usually when you get approved for a loan, there's a question as to whether any of your down payment is a gift.

Are you already approved? Did you answer this question honestly?

If you're worried about rates, put ~35% down instead, and use the rest fora refi at the next dip.
by batpot
Fri May 17, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 16
Views: 1480

Re: Capital One Eno

seems like a whole lot of hassle for something that is already zero liability.
by batpot
Tue May 14, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709810

Re: What's Your Credit Card Rewards Strategy?

Even at 2.5%, it's worth it to keep doing that and milking the rewards. At 2.5% and with a $99 annual fee, you'd have to spend almost $20,000/yr to break even with a 2% no annual fee card. I have the Alliant card and will be downgrading vg to their 2% no AF version after finding other higher % card...
by batpot
Tue May 14, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive a letter if you credit card is about to be closed for inactivity?
Replies: 18
Views: 1504

Re: Do you receive a letter if you credit card is about to be closed for inactivity?

Had them lower the credit limit on one.
Havne't had one cancel on me yet.
by batpot
Tue May 14, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709810

Re: What's Your Credit Card Rewards Strategy?

Uber: $50 yearly streaming voucher How does that voucher work? Is it like a statement credit once a year, provided you used the card for at least $50 worth of streaming services? I'm surprised there's not more talk about Alliant. 3% first year, then 2.5% thereafter, with a $99 annual fee, waived th...
by batpot
Tue May 14, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good mortgage refinance?
Replies: 20
Views: 1595

Re: Is this a good mortgage refinance?

bloom2708 wrote:
Tue May 14, 2019 2:05 pm
Chances are high that you will refinance again in the 7 or 10 year window.
Why do you say that?
by batpot
Tue May 14, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4540
Views: 1169149

Re: What Movie Have You Recently Watched?

Black Klansman
It was OK.
Took a lot of artistic license.
by batpot
Tue May 14, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4368

Re: Worth Fighting a Speeding Ticket?

This was going to be my advice. There are lots of cases where challenging makes sense, not sure this is one of them Having watched a fair number of people plead their case, judges have little mercy for people who go way over the limit. I could see a judge just sticking it to you. "You risked your o...
by batpot
Tue May 14, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4368

Re: Worth Fighting a Speeding Ticket?

Always worth talking to a lawyer. Sometimes a few.
They'll give you a few minutes on the phone for free.

Lots depends on jurisdiction, but whatever hundreds of dollars you pay is probably worth keeping it off your driving record, and keeping your insurance rates down.
by batpot
Tue May 14, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Advice on converting HELOC to fixed
Replies: 3
Views: 276

Re: Advice on converting HELOC to fixed

Have you looked at consolidating your primary and your secondary (HELOC) mortgages into a new 30/20 year fixed mortgage? Rates are not all time lows, but still historically low. The other thing to consider is some "teaser" rates on HELOCs; I recently closed my high interest HELOC (>6%) for a 2.99% o...
by batpot
Mon May 06, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 49
Views: 5507

Re: Lost out on 401k match for over-contributing

That's a real bummer. Does your employer give you the option to to post-tax contributions? That should allow you to continue getting their matching. Then you can mega-backdoor that to a Roth. Guess I'm lucky that my employer automatically converts the pretax to post tax, and continues their contribu...
by batpot
Mon Apr 29, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1025

Re: Storage shed

Got a Tuff Shed through Home Depot.
Shopped around a fair amount before settilng on them, and they were the best bang:buck we could find locally.
The trusses and doors are pre-fabricated, and the shed is build on site.
by batpot
Fri Apr 26, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Internet fees
Replies: 16
Views: 1384

Re: Internet fees

4gcommunity.org redirects to omaha steaks now.
post on reddit about it, from November 2017:
https://www.reddit.com/r/4GCommunity/co ... y_is_done/
by batpot
Tue Apr 23, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4553

Re: At what age did you buy your first first class airplane ticket?

20 something.
I was buying one way tix home for xmas, as it was cheaper than round trip.
And for some reason on one of the legs, 1st class was cheaper than coach.
by batpot
Mon Apr 22, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 30
Views: 2841

Re: “Smart Home” upgrades?

Have nest thermostats, doorbell on the way.
Gott a few smart switches to turn exterior lights on and off on a schedule.
And a motion sensor for garage lights.

Planning on getting a smart outlet and a smart switch for a garbage disposal, so I don't have to route a romex cable.
by batpot
Mon Apr 22, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5112

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

The T-mobile Asus Tm-ac1900 frequently goes on sale for $40.
Can be flashed to a RT-AC68U/P.
by batpot
Fri Apr 19, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3170

Re: DW worried about What if ...? Wishes to pay off mortgage

This is exactly what term life insurance is for.
by batpot
Fri Apr 19, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: New job offer, pension vs diy retirement
Replies: 17
Views: 1121

Re: New job offer, pension vs diy retirement

FWIW, a buddy took a public sector job, after a down turn in our private sector job, and it drove him crazy.

Lots of people retired in place.

He's back after a couple years.
by batpot
Thu Apr 18, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3399

Re: dropping umbrella and increasing auto liability

Getting back to the original question, I think for the reasons stated here it makes sense for the OP to keep the $1 million umbrella. However when the time comes that he/she would want additional coverage, I think it makes A lot of sense to max out the auto liability limits rather than adding a sec...
by batpot
Thu Apr 11, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: The "Difference Card", does anyone have any experience or knowledge ?
Replies: 14
Views: 3339

Re: The "Difference Card", does anyone have any experience or knowledge ?

Does this FSA account allow you to get personally reimbursed? Or force you to use this "difference card"?

Just curious...I never activated my FSA card, and instead use my personal credit card for the rewards, and then post the receipt to get reimbursed directly.
by batpot
Wed Apr 10, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4517

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

researcher wrote:
Wed Apr 10, 2019 11:12 am
batpot wrote:
Wed Apr 10, 2019 11:11 am
You'll need to run higher octane in a turbo engine.
This is wrong.

The CX-5 can run on regular unleaded.
Surprising. Usually need higher octane for the higher compression ratio.
by batpot
Wed Apr 10, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4517

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

You'll need to run higher octane in a turbo engine.
by batpot
Wed Apr 10, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 29
Views: 3043

Re: Smartphones with Least Bloatware

An unlocked, carrier-independent phone is best.

Motorola have been very clean for me, with some actually useful proprietary "gestures", but there are a lot of options out there now.
by batpot
Tue Apr 09, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6527

Re: How Much Do You Pay For Haircut?

I spend about 5 cents (depreciation and electricity) per haircut. Wife does the back. This. Wife has to do my neck. Was paying $30+tip for an awesome cut by a perfectionist, but it got hard to make appointments, and I took a chance on "pro" clipper for ~$50, and found I could do almost as good a jo...
by batpot
Tue Apr 09, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Pickup Truck Bed Cover Recommendations
Replies: 14
Views: 1183

Re: Pickup Truck Bed Cover Recommendations

I have the bakflip, and have been pretty underwhelmed by it. I like that it folds up completely out of the way, and gives you full access to you bed, less 2 retention rods, that barely take any space. It does however block the back window completely when fully opened but this is a minor annoyance. I...
by batpot
Wed Apr 03, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a new cheap smartphone - any gotchas?
Replies: 40
Views: 3503

Re: Ready to buy a new cheap smartphone - any gotchas?

The Motorola phones are a phenomenal value, especially when they go on sale.

My wife and I each have the 64gb Moto Z2 Force. Mine was $140, hers was $100.

Can't believe I lived so long w/out USB-C.
by batpot
Wed Apr 03, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 6099

Re: Scam alert - USPS new feature playing a role

The real question here is why don't you have your credit frozen?
by batpot
Tue Apr 02, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3193

Re: Adjustable dumbbell recommendations

Have heard good things about these.
On sale now, too:
https://slickdeals.net/f/12987442-bowfl ... 0-free-s-h
by batpot
Tue Apr 02, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire Tablets are on sale ......
Replies: 14
Views: 1427

Re: Amazon Fire Tablets are on sale ......

You are also giving Amazon access to all of your search history, not just purchase history.
Got to sell your soul to Apple, Google, or Amazon...no need to give it to multiple companies.
hard pass.
by batpot
Fri Mar 29, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1302
Views: 132138

Re: [What TV Show Have You Recently Watched?]

Letterkenny on Hulu.
The whole show is basically like this (very NSFW language):
https://www.youtube.com/watch?v=9rSBmOgpcDE

Amazing they've been going 6 seasons; virtually every episode has laugh out loud moments.
by batpot
Fri Mar 29, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1507

Re: Best car seat for air travel

Whatever seat you get, get something like this, and some tie down straps:
https://www.harborfreight.com/150-lb-ca ... 61867.html

Makes moving through the airport so much easier.
by batpot
Wed Mar 27, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Switching from reseller to Sprint
Replies: 16
Views: 602

Re: Switching from reseller to Sprint

Sprint is offering 1 year of service for free: https://www.sprint.com/en/shop/offers/free-unlimited.html The BYOD deal can only be done by calling, not in store. And it can only be done by porting in a number from outside of Sprint, not a new number. You need to port your number to another MVNO, and...
by batpot
Wed Mar 27, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Are 2004 Ford Rangers Reliable?
Replies: 20
Views: 1385

Re: Are 2004 Ford Rangers Reliable?

Had a 98, and loved it. That era Ranger had a fuel pump that was prone to overheating if you didn't keep the tank >~1/4 full. Cost me $800 for a new one maybe a dozen years ago. Was happy not to do that work myself. They're also easy to pick the lock, so don't keep anything valuable inside, but that...
by batpot
Wed Mar 27, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Bookshelf Speakers
Replies: 7
Views: 635

Re: Bookshelf Speakers

NHT SuperOnes are $100. Near an all time low of $90.
https://www.amazon.com/NHT-SuperOne-2-1 ... B00LJX4HCY
by batpot
Tue Mar 26, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3947

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

Look at Astral shoes.
They are very versatile.
by batpot
Mon Mar 25, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 3508

Re: What is the best gas credit cards hands down?

middistancerunner wrote:
Mon Mar 25, 2019 10:48 am
There is also this obscure credit card, which pays a flat 5% year-round:

https://www.firstbankcard.com/ducksunli ... t/?sub=000
Nice!
The sporting goods is intriguing as well...
https://www.osha.gov/pls/imis/sic_manua ... escription
by batpot
Mon Mar 25, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 3508

Re: What is the best gas credit cards hands down?

May get the uber/lyft cards just for gas! If you have shell stations near you and their prices are good (they are the lowest for me) consider the shell 5cent/gal card. It's free and you just run it through the reader prior to buying gas. https://www.fuelrewards.com/shop-at-shell You can also use yo...
by batpot
Mon Mar 25, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 3508

Re: What is the best gas credit cards hands down?

Chase Freedom Jan-Mar
Dsicover Apr-June
Costco Citi card (4%) the rest of the time.
by batpot
Thu Mar 21, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Security camera with local storage and remote access?
Replies: 45
Views: 2399

Re: Security camera with local storage and remote access?

I like Arlo over Ring:
7 days of cloud storage for free (up to 5 cameras)
Has a "base station" that can store recordings to a local drive via USB
Has 2 way audio, and can be accessed from anywhere via app.
by batpot
Thu Mar 07, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Progressive Homeowner's Insurance?
Replies: 9
Views: 819

Re: Progressive Homeowner's Insurance?

Are you able to acquire an Umbrella policy through Geico/Progressive when they are just the "agent" for the homeowners?
Usually Umbrella is tied to the auto policy, but it's rarely ever mentioned.
by batpot
Wed Feb 27, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Mini rant -- 401(k)s
Replies: 26
Views: 3980

Re: Mini rant -- 401(k)s

Never heard of this before. Looked up the definition: The IRS defines a highly compensated employee as one who… Owned more than 5% of the interest in the business at any time during the year or the preceding year, regardless of how much compensation that person earned or received, or For the precedi...
by batpot
Wed Feb 27, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Help me choose which option for furnace installation
Replies: 4
Views: 381

Re: Help me choose which option for furnace installation

When I did a google search for the last 2 part numbers, the only hits were to this thread! Taking the lowest bid isn't always bad, but that last one is so much lower than the others, that I can't help but think he misunderstood, or didn't scope the whole job properly. I generally never go with "larg...
by batpot
Mon Feb 25, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Dyson V6 Motorhead leaves marks on laminate floors.
Replies: 5
Views: 490

Re: Dyson V6 Motorhead leaves marks on laminate floors.

Aren't you supposed to use the fluffy head for hard surfaces?

Sorry, I can't be of more help.
Casually shopping for a stick vac, and the options are overwhelming...which is how they wants it.
by batpot
Fri Feb 22, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 3569

Re: Do tax accountants add any value?

I don't see it as a value proposition so much as a time savings one.
by batpot
Fri Feb 22, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Mylar lined cellular shades?
Replies: 5
Views: 766

Re: Mylar lined cellular shades?

We installed blackout shades (cellular double honeycomb), and tried ordering from both selectblinds.com and justblinds.com. Both were fine, both are still working well 8 years later, and I love the blackout shades. It made it so much easier getting kids down for naps, and they're great for windows ...