Search found 1092 matches

by takeshi
Tue Oct 17, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 837

Re: Apple Pay and CVV number

You don't have access to it and it is not a fixed number but dynamically generated and sent by your phone as part of the transaction.
by takeshi
Tue Oct 17, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Issue freezing credit reports with 2 out of 3 credit reporters. Help????
Replies: 6
Views: 612

Re: Issue freezing credit reports with 2 out of 3 credit reporters. Help????

Is there a fee for any of these freezes? Informaton is on their respective sites. https://www.transunion.com/credit-freeze/credit-freeze-information-by-state https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/ https://help.equifax.com/s/article/What-are-th...
by takeshi
Tue Oct 17, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4614

Re: How many miles/years do you keep your car?

I know this has probably been beaten to death but I'm still interested in it. :) If you buy used how old/miles do you generally buy and what age/miles do you sell it on average? I'm not sure our averages really mean anything on their own. The specifics behind the why of each vehicle purchase and sa...
by takeshi
Tue Oct 17, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Data Security on Cellular Network
Replies: 7
Views: 584

Re: Data Security on Cellular Network

PriceOfFreedom wrote:
Mon Oct 16, 2017 11:39 pm
So, for example, if I want to access my Vanguard account on my cell phone using the cellular link (with WiFi disabled), is this connection secure?
Try thinking of it as a spectrum rather than binary. Nothing is going to be 100% secure but there are measures one can take to be more secure.
by takeshi
Mon Oct 16, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 79
Views: 5473

Re: anyone else not liking the new cars?

please don't mention this is a first world problem, just wondering if anyone else has had a similar experience and if anyone has a recommendation for a similar type vehicle ie a nice 4 door sedan that is not a step down from my old es350. Not just a first world problem but a getting older problem a...
by takeshi
Mon Oct 16, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 47
Views: 2986

Re: Amazon Prime - Decline in Delivery Service?

Joe Jones wrote:
Sun Oct 15, 2017 1:01 pm
Has anyone noticed Amazon losing it's ability to deliver as promised?
Only with 2 cases: Around Harvey but the entire city and region were impacted. Also, when Amazon Logistics is doing the delivery as they always seem to have problems delivering on time for me.
by takeshi
Mon Oct 16, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Unauthorized credit pull from Marlette Funding DBA Best Egg?
Replies: 3
Views: 427

Re: Unauthorized credit pull from Marlette Funding DBA Best Egg?

Given that this was an annual pull direct from the CRA you're going to see both hard and soft pulls on the report. Was this hard or soft? No point in worrying over the softs. Softs are done for marketing as well as account reviews. A hard would be more of a concern but even then, a single hard pull ...
by takeshi
Mon Oct 16, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5393

Re: What are you driving? And would you buy your current ride again?

What's the purpose of this thread? If you don't see the point of any thread you don't have to post in it. I'm doubtful about the value of this thread as well but FWIW: 2015 Lexus RX 450h 2013 Porsche Boxster S Too early to say on the 450h. I was purchased just a month ago. However, it was purchased...
by takeshi
Mon Oct 09, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1795

Re: Chase credit card question

As stated above, joint credit cards are very rare these days and, IIRC, Chase doesn't offer them. However, also as stated above, credit reports will indicate whether or not one is responsible for the account or an authorized user. The report will not have the full SSN and everyone should be reviewin...
by takeshi
Mon Oct 09, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 54
Views: 4003

Re: WiFi

Be careful assuming that the problem is that you didn't buy the right range extender. It's certainly possible that a WiFi extender just isn't a suitable solution for your situation. You may be better served with other solutions such as running wire, powerline adapters, MoCA adapters, etc. Also be aw...
by takeshi
Thu Oct 05, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1633

Re: Fender bender -- other driver at fault -- what to do?

Will I end up paying a deductible for these repairs since I am not at fault and was not in the car when it was hit. I just went through dealing with an accident where the other driver was at fault but I went through my own insurance company. As others have stated, one can file a claim with the othe...
by takeshi
Wed Oct 04, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit card budget
Replies: 10
Views: 1065

Re: Credit card budget

There have been discussions off and on about credit card use. Studies have shown that people in the studies spent more with credit. I maintain that this doesn't and can't prove anything about individuals and their spending habits. A lot of people seem to tend to conflate trends and specific data po...
by takeshi
Wed Oct 04, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 106
Views: 24147

Re: How to get a real Chip and Pin card?

Doesn't the Target REDcard MC offer the exact same features? Seems like it though I can't seem to confirm whether or not it has a cash advance fee. For me, that wouldn't really matter. I would definitely recommend that anyone interested in this topic use the Spotterswiki EMV CVM database. It looks ...
by takeshi
Wed Oct 04, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3278

Re: Cash in a local bank or credit union

gasdoc wrote:
Tue Oct 03, 2017 12:29 pm
how much do Bogleheads typically keep in a local bank or credit union?
I don't. We really don't have much of a need for cash. That said, you need to do what works for you.
by takeshi
Wed Oct 04, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1567

Re: Travel camera reviews of what you own and why?

What is your favorite travel camera(s) and why did you choose it? iPhone 7 Plus. It's always with me and doesn't require me to pack additional accessories. Photos are geotagged and in the cloud/other devices with no effort on my part. We used to travel with a Nikon point & shoot and a Canon DSLR an...
by takeshi
Wed Oct 04, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: How to improve credit score
Replies: 23
Views: 1301

Re: How to improve credit score

I replied to your FlyerTalk thread so I won't rehash all that over here. However, you're going to see messages like that until you reach 850. I'm not close to 850 with my FICO 8's but I'm well above 800 and I see such messages as well. "Hurt" in cases like this is in reference to things that have a ...
by takeshi
Wed Oct 04, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 43426

Re: Amazon Prime Shipping Issues since move from UPS to USPS

UPS (and FedEx) works better for me than USPS due to the way we receive things via USPS at the office. Basically, a courier brings us USPS deliveries the next day. Where I have really had problems is with Amazon Logistics. Shipments are frequently late, lost, left in strange places or just never del...
by takeshi
Wed Oct 04, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1191

Re: Looking for advice on an automotive paint job.

Any advice from my fellow BHs would be appreciated. I would strongly advise against Maaco and, instead, paying to have it done right but it's really your call to make. As pointed out above, you could end up with the entire vehicle looking terrible versus just the roof. Or you might get lucky and it...
by takeshi
Mon Oct 02, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4198

Re: Waxing my car!

I don't know much about waxing. Any wax recommendations? I don't use wax either and prefer sealants since they last longer. There are a lot of good options if you're interested and some have been mentioned above. I'm currently using Sonax Polymer Net Shield as it's very easy to apply and very long ...
by takeshi
Fri Sep 29, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2446

Re: Paid off Debt...credit score dropping and future mortgage

It is possible to end up with no score. FICO requires at least 6 months reported on a recently active account to generate a score. Scoring range of FICO models is not relevant to this. http://www.myfico.com/crediteducation/questions/requirement-for-fico-score.aspx I use the credit karma monitoring a...
by takeshi
Tue Sep 26, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?
Replies: 6
Views: 813

Re: Was an authorized user on parent's credit card from 2012 to 2014 - should this show up on my credit report?

Depends on a couple of things. First, whether or not the creditor reports for AU's. Some do, some do not. Also depends on which CRA's the creditor reports to. Not all creditors report to all 3 of the majors. Additionally, if you are no longer an AU the account may be removed from your reports in som...
by takeshi
Mon Sep 25, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 659

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

In addition to the above, with home devices (BP monitors, scales, etc) accuracy can certainly be off but you really need to be looking at trends versus individual data points. Some devices may be a bit more accurate than others. Omron would be my suggestion but even their devices can be off. You're ...
by takeshi
Mon Sep 25, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1632

Re: What phone carrier?

I'm not clear on how phones are or are not compatible with different networks. Which services can I use my phone with? And if I have a "verizon" phone, does that mean any pre-paid provider is just using Verizon's network and so my coverage won't be any different? Do I need to change anything about ...
by takeshi
Mon Sep 25, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4111

Re: Toilet Woes

AAA wrote:
Sat Sep 23, 2017 2:36 pm
The manufacturer sent me a replacement fill valve to try, but before that I was just wondering if anyone could suggest something (other than get a new toilet bowl :happy ).
If it comes to that, get a Toto.
by takeshi
Mon Sep 25, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4467

Re: IOS 11: Anybody using it yet?

Has anyone made the leap of faith and installed IOS 11? If so, and you use 2FA apps such as Symantec VIP Access or Google Authenticator, did you run into any difficulties? I've been running it since it was in beta with no issues aside from shorter battery life and some apps not working like Wunderm...
by takeshi
Mon Sep 25, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Home security advice
Replies: 15
Views: 1627

Re: Home security advice

Smokey21 wrote:
Sun Sep 24, 2017 9:29 am
I'm hoping to tap the collective wisdom of the forum.
Don't overlook previous discussions on security systems. I'd recommend FrontPoint but a lot of people here like Simplisafe.
by takeshi
Fri Sep 22, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 25
Views: 1400

Re: Would you get flood insurance?

Would? We have for many years. We also live in Houston and our neighborhood didn't flood during Allison, Tax Day, Memorial Day or Harvey. However, "never flooded" doesn't mean "never will flood". Localized flooding can happen anywhere -- especially with enough rainfall, drainage issues, etc.
by takeshi
Fri Sep 22, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score, Credit Check, and Credit Freeze
Replies: 3
Views: 601

Re: Credit Score, Credit Check, and Credit Freeze

You should at least check your reports with all 3 major CRA's once a year. You can do so for free via the Annual Credit Report site which will redirect you to each of the big 3. I'd recommend checking your reports more often if you have not frozen them. Scores are generally not free (though there ar...
by takeshi
Fri Sep 22, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2417

Re: Phone Techies .....

I don't think you really need a tech enthusiasts for recommendations but based on the fact that you've been fine with a 5s, a 7 would probably be fine for you.
J295 wrote:
Fri Sep 22, 2017 8:52 am
I have the 5s (quit smirking).
No smirking here. Everyone should use whatever it is that works for the individual.
by takeshi
Fri Sep 22, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1328

Re: Credit Freeze? One last step I'm taking

LeeMKE wrote:
Thu Sep 21, 2017 11:53 pm
A PDF is an image file
Not relevant to your files but just pointing out that a PDF can be image only or image & text.
by takeshi
Wed Sep 20, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1301

Re: Do you pay for credit monitoring?

I have a very good IT person at work and I was surprised to hear him tell me he pays $15/month for lifelock. Being in IT doesn't mean that we always want to do the grunt work. I want my tech at home to just work after spending the day fixing everyone else's problems at the office -- and spending so...
by takeshi
Wed Sep 20, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 820

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

Not sure if this is widely-known (it's certainly not explicitly mentioned in any of their marketing material that I can find), but it turns out that you can apply your Amazon Prime credit card points to your card balance. I don't recall what their marketing materials say (I usually don't rely solel...
by takeshi
Wed Sep 20, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 33
Views: 2471

Re: Lease vs. Buy debate with a twist...

Are we at the precipice of rapid technological change in cars (e.g. self driving or on demand driving or other technological disruption) that making a 5 to 10 year commitment to the current technology by buying is not a wise decision. I don't think so and just recently replaced a vehicle with the i...
by takeshi
Wed Sep 20, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4419

Re: Memory Foam Mattress Recomendations

Hypothesis : I think that we're not designed to sleep that way and I think it can contribute to back pain. I think each needs to find what works best for the individual. There are many who sleep on memory foam without pain or discomfort. We had a 12" Anatomic Global memory foam mattress and it was ...
by takeshi
Tue Sep 19, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2386

Re: Convertible in Florida or not...

I do notice that few of the convertible owners in our area rarely put their tops down. You can't base what you will do solely on what others do. Like many topics, it's not just about the thing in question but the person. There are serious convertible enthusiasts, some that only enjoy them on occasi...
by takeshi
Tue Sep 19, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1182

Re: Disputing credit card transaction for programming Car FOB?

Your wording in your OP is vague but based on the text in your OP I would take it to mean that you're taking a risk regardless of the specific reason. If they specifically stated that it was because the concern was that your key was defective then that's an entirely different matter. There are diffe...
by takeshi
Thu Sep 14, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: setting up a wireless printer
Replies: 8
Views: 730

Re: setting up a wireless printer

Are there any standard procedures for helping me set up the wireless printer ( DELL ) so that it can print from an IPAD? Not any that would be of use if you need step-by-step instructions as process and specific steps can vary a bit. Dell's Support site is an excellent resource for documentation an...
by takeshi
Wed Sep 13, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 957

Re: Need Cloud Back-Up Service For Mac

There's a recent thread on Crashplan alternatives that you might want to take a look at. I also switched to Arq and B2 but wouldn't recommend this for those that place simplicity as a top priority.
by takeshi
Tue Sep 12, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11309

Re: Anyone else freeze their credit score?

Anyone else freeze their credit score? Picking nits but you can't freeze your score and you don't have just one score. You can, however, freeze your reports. The freeze won't prevent creditors from updating your reports if you have an existing relationships with them. Those updates can cause your s...
by takeshi
Mon Sep 11, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35126

Re: USAA 2.5% Cash Back Credit Card

It's on all 3 of my reports as well.
by takeshi
Wed Sep 06, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 2045

Re: Denied for Citi Double Cash, but no record of application?

However, I recieved a rejection message. I called the application support line to learn why and was told there was no record of my application. What could be causing this denial? What was the rejection message? How did you receive it and what, exactly, did it say? If you were denied based on your c...
by takeshi
Wed Sep 06, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8686

Re: When calculating net worth, how do you value your house?

Mountain Fiddle wrote:
Wed Sep 06, 2017 8:28 am
We use Mint for tracking our spending. It pulls the most recent estimates automatically from Zillow, which we take with a grain of salt.
Same here. If OP really wants to get a reasonable figure then the usual process of looking at comps is the way to go. Zillow is close enough for us.
by takeshi
Wed Sep 06, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3528

Re: Wanting a Portable Auto GPS

It is true that phones can double as car GPS, and Google Maps / Waze do work well, but I have definitely found it is more convenient to have two separate devices - phone for music/podcasts via BT, and separate car GPS. Works especially well for long trips as well as traveling abroad since you will ...
by takeshi
Wed Sep 06, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Credit card and now gmail hacked - what to do?
Replies: 8
Views: 1296

Re: Credit card and now gmail hacked - what to do?

Are these two related and should I expect the rest of my accounts to be hacked as well? My gmail used a long password with numbers and it wasn't used anywhere else so I'm confused by how it happened. What else do I need to do? No way for us to know for certain. Keep an eye on all your open accounts...
by takeshi
Wed Sep 06, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1171

Re: Locking hub nuts on a vehicle - worth having?

Is it still worth getting them? It's really your call to make just as worth is on any topic as worth is very subjective. If anything was universally worth it then everyone would have it and vice-versa. I haven't had problems with keys stripping but YMMV. Our wheels with locks haven't been stolen bu...
by takeshi
Tue Sep 05, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8719

Re: Citi Costco Visa vs. Chase Sapphire Reserve

But if I cancel the CSR card I am assuming I cannot use the CSR portal so my 168,000 points will only be worth 168000 points not x 1.5 anymore? People seem to tend to focus Chase travel portal but better value can be obtained by transferring to airline partners -- especially for premium internation...
by takeshi
Tue Sep 05, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: High interest checking or cash back credit cards?
Replies: 9
Views: 867

Re: High interest checking or cash back credit cards?

I wonder if I am better off using my cash rewards cards for most everything. The more you run through them the more cash back you will get. All our spend that can be run through cards is run through cards for rewards. Do you have any concerns with regard to "better" aside from rewards amount? Credi...
by takeshi
Tue Sep 05, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2888

Re: Are you a "car guy" or "car gal", how do you fund?

If you switch frequnelty, do you lease every 3 years? do you buy CPO? Do you buy new and sell on your own? Does your hobby come from outside of your daily driver or is it your daily driver? We don't switch frequently. We typically purchase ~1 year old with low miles and sell/trade in. Fun car is on...
by takeshi
Tue Sep 05, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 2916

Re: Would you rather (car wash/detail)

It's the opposite for me. It takes me much longer to wash a car than it takes to run it through a hand wash place but I always hit them first thing in the morning or at another point where they're not busy. For the OP: hand wash as needed, full detail as needed once or twice a year. That said, we do...