Search found 1131 matches

by takeshi
Mon Jan 08, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2115

Re: Minimizing effect of first speeding ticket

I'm also open to any other suggestions people may have for minimizing the effect of a speeding ticket. A skilled and experienced traffic attorney is my preferred solution. Haven't needed one in a long time but the one I used was very effective. Ask others in your area if you want to go that route.
by takeshi
Mon Jan 08, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1307

Re: Debating which credit card to get for airline travel

For me, citi double cash back and cards like it don't really help that much. You have to spend like $12k to get back a couple hundred dollars. Cash back cards are generally going to provide less potential rewards but travel rewards cards are going to require more research and legwork on your part i...
by takeshi
Sat Dec 30, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Banks Vs Regular Bank
Replies: 13
Views: 1032

Re: Credit Union Banks Vs Regular Bank

Credit unions are not banks -- they're credit unions. They can pay more interest but you really have to do a specific comparison. It's really up to you to find credit unions that you qualify to join as that will automatically narrow down the options for you. I do have credit cards from credit unions...
by takeshi
Sat Dec 30, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11263

Re: Another should i buy my dream porsche thread...

Pcarfan911 wrote:
Wed Dec 27, 2017 1:33 pm
Would you do it?
I'm the wrong person to ask, being a Porsche owner. However, I wouldn't buy a 911. As one that prefer mid engined vehicles we have a 981. Regardless, it doesn't matter what I or others would do. It's up to you to sort out based on your situation, priorities, etc.
by takeshi
Sat Dec 30, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2441

Re: Checked bag to HI, worth cost and trouble?

Worth is always highly subjective and it's really your call make based on your preferences and priorities. It's rare that I don't check a bag when flying. My wife and I aren't charged for our first checked bags and it's rare that it has been a hassle for us. We also have priority boarding but hate p...
by takeshi
Sat Dec 30, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5904

Re: Keeping a checkbook register

OP's questions include a lot of matters of preference so asking others with differing preferences may not help the OP. I use Mint but I also maintain an Excel spreadsheet that started as a checking account register but now also tracks credit card accounts as well and provides some crude budgeting ca...
by takeshi
Sat Dec 30, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1517

Re: flood damaged cars?

Get any used vehicle inspected regardless of whether or not flooding is a concern. A good mechanic is an option but there are inspection services that know to look for this and may other things with used vehicles. A good inspector will definitely find this sort of thing even in the seller has attemp...
by takeshi
Sat Dec 30, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Phone Encryption
Replies: 4
Views: 550

Re: Phone Encryption

Can't speak to encryption on the Note 4 specifically but some more generic comments: How much does encryption slow down the use of a device when starting it up or opening up the home page after signing in? Should be negligible above a certain level of performance. You can always enable, see how it w...
by takeshi
Sat Dec 30, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 746

Re: Spam email

Server level spam filtering or even filtering before the email server seems to work best in my experience but it may not be a viable option depending on who hosts your email. My latter suggestion typically requires that you have control over your MX records for the DNS settings for your email accoun...
by takeshi
Mon Dec 25, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

So, if you are an espresso drinker, you may like Starbucks. You cannot tell the difference. Do not assume that. There are countless espresso drinkers that can't stand Starbucks and can easily tell the difference. I'm a latte drinker but even with milk it's clear to me that their espresso is poor.
by takeshi
Tue Dec 12, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 985

Re: Build credit or pay in full

Build credit or pay in full You're not really building credit by not paying it off. As stated above, if you don't have any other installments (auto/student/etc loans, mortgage, etc) then you're getting a benefit to your Crdit Mix by keeping it open. However, you can have good credit even without it...
by takeshi
Mon Dec 11, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Same Multiple credit cards
Replies: 6
Views: 896

Re: Same Multiple credit cards

I could not understand the logic behind these credit card companies sending offer to existing customers who already have the cards. You're assuming that logic is involved. It's just marketing spam. It's up to you to do your due diligence and read the terms of the offers to verify that you qualify. ...
by takeshi
Mon Dec 11, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 4062

Re: best cashback credit card ?

whats the best credit card with highest cashback on gas and stores etc currently. Which stores, specifically? "Stores" is too broad to be a rewards category. Are you only looking for one card or a combination of cards? i came across penfed credit card with 5% cashback The 5% card is long gone. They...
by takeshi
Mon Dec 11, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Simplisafe or ADT
Replies: 11
Views: 1334

Re: Simplisafe or ADT

As a former ADT customer I wouldn't touch them with a 10 foot pole because of their expensive pricing and poor customer service. I wanted to understand what BH do for home safety We don't all do the same thing on any topic. Don't overlook the previous security system threads. In my case, we've been ...
by takeshi
Mon Dec 11, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18713

Re: Do people still use AAA?

Is there a difference between using AAA and the rest? Seriously, whether it is Geico or Chase or any free service from credit card, they all use the same provider. Meaning does AAA have their own "fleet" and thus can provide better service? Think it was stated earlier by someone else but Premier me...
by takeshi
Mon Dec 11, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1808

Re: Japan in summer

GerryL wrote:
Mon Dec 11, 2017 10:04 pm
Also, going from steamy outdoors to overly chilled air conditioning is not fun.
Where did you encounter over chilled air conditioning in Japan? Most placed seemed very warm to me. Overly chilled AC is definitely an issue here in Houston though.
by takeshi
Mon Dec 11, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 2875

Re: Espresso Machine suggestions?

Thanks for the link. $500-1k budget is what I was thinking. Make sure you're budgeting for a good espresso grinder as well and not leaving it as an afterthought. That is, unless you're looking into a superauto but I wouldn't recommend one unless convenience trumps quality for you. The grinder is mu...
by takeshi
Wed Nov 29, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Free Credit Report if you obtain credit?
Replies: 3
Views: 320

Re: Free Credit Report if you obtain credit?

Right -- this is required by the FCRA. For Experian, see also:
https://www.experian.com/reportaccess/#content-01
by takeshi
Tue Nov 21, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15066

Re: Dave Ramsey says don't use credit cards, even if you pay them off

hightower wrote:
Sun Nov 19, 2017 5:35 pm
What does every else think?
Do whatever works for you. If Dave Ramsey's approach is of benefit to you then by all means go for it. It's not for me but that doesn't necessarily mean anything for you. People vary.
by takeshi
Tue Nov 21, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: 0% APR for 15month for Balance transfer
Replies: 3
Views: 392

Re: 0% APR for 15month for Balance transfer

How would it change my credit score? is it good or bad It's not inherently one or the other and depends on impact to revolving utilization. Your overall revolving utilization won't change but individual revolving utilization on each card might and that also has an impact. You can give us your limit...
by takeshi
Fri Nov 17, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Identity Theft Credit Score
Replies: 13
Views: 1341

Re: Identity Theft Credit Score

Any other suggestions of how she can get her credit score to improve? The fraudulently opened accounts need to addressed first before applying for any new accounts. They need to he handled as fraud and not as regular disputes. Here's one guide that I've run across: http://ficoforums.myfico.com/t5/G...
by takeshi
Fri Nov 17, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Better credit or larger downpayment?
Replies: 18
Views: 1815

Re: Better credit or larger downpayment?

My estimated credit rating is 814 and I am very careful about keeping it high. My goal: Get the lowest interest rate on the house as I can, but not necessarily pay it off as fast as I can (I can keep the excess invested). Where are you getting that score from? First of all, if you're looking to get...
by takeshi
Fri Nov 17, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2446

Re: Keep old cards active by paying yourself?

With PayPal you can open two accounts, add the old cards to one account, and pay your other account. You're running the risk of getting yourself in trouble with this sort of thing. Just make small charges as needed to keep an account active. Be aware of what each of your creditors requires for mini...
by takeshi
Mon Oct 30, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: What's a VPN and Do I Need One
Replies: 6
Views: 1011

Re: What's a VPN and Do I Need One

What exactly is a VPN and do "little guys" like me really need one?. It's not really a matter of big or little but how important security is to you and what steps you're willing to take for the sake of security. Security while out and about is usually the more popular reason but security at home is...
by takeshi
Mon Oct 30, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8278

Re: Is it difficult to switch from an iPhone to an Android?

Is it difficult to switch from an iPhone to an Android? That's really more a matter of the individual than the 2 options. I have no problems switching but I'm an IT analyst with a lot of tech experience not just professionally but in my personal life as well. My wife, her parents and others seem to...
by takeshi
Fri Oct 27, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1850

Re: Any FL residents with a dash-cam?

Old thread but with the recent post bumping it I wanted to suggest DashcamTalk as a resource. The Viofo mentioned earlier is a camera that has a known track record for image quality and heat resistance but there are certainly other options out there. I have had fairly good luck with a Mobius Action ...
by takeshi
Thu Oct 26, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??
Replies: 40
Views: 2836

Re: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??

However, I've heard that lst class on larger jets on various airlines have better accommodations. And, that the 747's (jumbo jets) are even better with the upstairs loft. Is this true? Definitely do your research on travel sites such as The Point Guy, FlyerTalk, etc. A given aircraft isn't necessar...
by takeshi
Thu Oct 26, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1960

Re: Ordering iPhoneX

climber2020 wrote:
Wed Oct 25, 2017 11:42 am
If you get a new phone every single year, you don't need applecare. Their standard warranty covers most stuff for the first year even without paying extra for applecare.
For warranty coverage, yes. For damage coverage and phone support there is a difference with Applecare+.
by takeshi
Wed Oct 25, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Financing with no Credit Score
Replies: 30
Views: 1810

Re: Mortgage Financing with no Credit Score

Secured doesn't mean guaranteed approval. There are some secured cards that don't require a credit check but I don't know they are off the top of my head. You really have NO credit score or is it a low credit score (say in the 600s)? My father hasn't had a loan in many years but I seem to recall tha...
by takeshi
Wed Oct 25, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: What is a virtual private network (VPN) and how will it help me?
Replies: 14
Views: 1620

Re: What is a virtual private network (VPN) and how will it help me?

Check to see if your router/access points & clients are vulnerable or if patches are available for them to address this. Here's a "for dummies" article. I'm not sure if Vice is generally a good resource on such topics but skimming the article, it seemed to provide valid info including how VPN's can ...
by takeshi
Tue Oct 24, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2321

Re: Best no sweat athletic/work socks

BashDash wrote:
Fri Oct 20, 2017 6:16 pm
Any recommendations for a no stink/ no sweat sock that I can wear to work?
Already suggested above but definitely Merino wool. It's not going to prevent sweat but it will wick it and it will not stink.
by takeshi
Tue Oct 24, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5681

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

A car that does everything doesn't exist. True of any topic. The more you want something to do the more compromises you'll have to make. You can't maximize every aspect of something. Improving something comes at the cost of something else. Getting something that "does it all" means that you're real...
by takeshi
Wed Oct 18, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2736

Re: Credit scores fell this month a lot for no reason

Anyone else know what might be going on or have a similar result? You would have to carefully review reports from before and after the change to determine the cause(s). That said, a change of that magnitude is typically due to derogatory information or a spike in revolving utilization as these are ...
by takeshi
Wed Oct 18, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1478

Re: Is it worth applying for Credit Limit Increase?

Is it worth applying for Credit Limit Increase? Worth is always highly subjective regardless of topic. You need to clarify to us what defines how you determine worth on the matter. What are you looking to accomplish? What are you not able to do with the lower limit? What potential concerns do you h...
by takeshi
Wed Oct 18, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3304

Re: Business Laptop Suggestions Request

Already mentioned above but I'd easily recommend a Dell Latitude or Lenovo Thinkpad and that's just from a reliability standpoint. reasonably priced. Please provide a number or range. One's "reasonable" may not be the next's so you can't just assume that we all think the same as you. I don't purchas...
by takeshi
Wed Oct 18, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 12286

Re: Converting to Safety Razors

Converting to Safety Razors Picking nits but safety razor is a very broad classification that not only includes double edge razors but cartridge razors as well as single edge -- basically anything other than a straight or other blade without a guard. I switched years ago to a DE (was already using ...
by takeshi
Wed Oct 18, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 3077

Re: Best smartphone

Those requirements really don't narrow it down enough. There are countless smartphones that would qualify though battery life and reliability aren't just a matter of the device itself but specific usage. Reliability on Android can vary quite a bit more depending on usage. It can vary on IOS a bit bu...
by takeshi
Wed Oct 18, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 1162

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

CULater wrote:
Tue Oct 17, 2017 10:00 pm
I'm wondering if there is any compelling reason to upgrade to Sierra, particularly for security reasons.
Yup -- especially for security reasons. Apple has been releasing security updates for El Capitan (last one in July this year) but they will EOL it at some point. Looks like maybe in 2018?
by takeshi
Wed Oct 18, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1417

Re: any good credit card sign up bonuses?

Right -- always be very specific with highly subjective words like "good". You can't just look at getting X points. What are those points worth? Can you redeem them using a method that yields higher point value or only a much lower point value? There are sites that collect and post this sort of data...
by takeshi
Tue Oct 17, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 1087

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: 921

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: 108
Views: 8345

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: 8
Views: 1133

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: 135
Views: 11759

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: 60
Views: 5502

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: 757

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: 130
Views: 8338

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: 2117

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: 57
Views: 5403

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...