Search found 809 matches

by AAA
Tue Oct 17, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

I'm sure all of you participating in this thread have been waiting with baited breath to find out what happened. I mentioned above that once the tank wasn't refilling even with the supply line open. Another time, I shut the supply line valve and the water nevertheless came in to fill the tank. So th...
by AAA
Sun Oct 15, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1740

Re: Earplugs that work on low frequency noise?

3) My wife suggested noise canceling headphones, but that would mean I can't sleep on my side; probably would keep me from sleeping. There are soft eye masks that have built-in speakers. This is just the first one that I found as an example, not necessarily a recommendation: https://www.amazon.com/...
by AAA
Mon Oct 09, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2487

Re: Health Care for 2018, Curious About Other's Increases

I got the renewal booklet for my Medicare Advantage plan, which I intend to stay in unless it will no longer be offered in my area. The monthly premium stayed the same and the out of network deductible actually went down 33%. Unless there's some other gotcha in the details I haven't looked at yet, t...
by AAA
Fri Oct 06, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 14
Views: 3199

Re: Capital One 2 Factor verification

heartwood wrote:
Thu Oct 06, 2016 9:37 am
After I reported the fraud yesterday I received a same day email from Cap One saying that 2FV was available. Is this new?
This is interesting as I called them within the past couple of weeks to ask about 2FV and they said it wasn't available. I haven't received an email about it yet.
by AAA
Fri Oct 06, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4913

Re: Anyone go 100% Ally or another online bank for all banking needs?

gator1 wrote:
Thu Oct 05, 2017 7:48 pm
I'll also add that I can link my parents account and transfer money there and then get it out that way if ever needed.
Just curious - I thought linked accounts had to be titled the same.
by AAA
Tue Oct 03, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 44
Views: 3878

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I'm curious why a credit bureau check would be involved if you want to deposit money somewhere i.e. no loans involved. We've had our files frozen for a few years now and I don't think it was a problem when we opened an HSA at Alliant in 2015 (although I wouldn't swear to it).
by AAA
Fri Sep 29, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: creating a my social security account
Replies: 13
Views: 1275

Re: creating a my social security account

I don't understand why a fraud alert would prevent SS from establishing your account. I thought an alert, as the name implies, just alerts you that someone has checked your file. Also, when I signed up a few years ago, I believe I just had to unfreeze my file at one of the bureaus.
by AAA
Thu Sep 28, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5394

Re: Innovis and ChexSystems freeze confirmation letters

buckeye7983 wrote:
Thu Sep 21, 2017 10:07 am
For those of you that recently implemented freezes on-line at Innovis and CheckSystems, how long did it take for you to receive confirmation letters with PINs in the mail?
Two weeks for Chex, a little sooner for Innovis.
by AAA
Wed Sep 27, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6349

Re: I'm shocked!

A lot of people who endured the Great Depression and its aftermath shunned stocks their whole life. And 3% is better than any 10-year CD at this time, so not so bad.
by AAA
Mon Sep 25, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

I had the same concerns today. Froze Innovis and Chex on 9/11 and as of today I have not received anything from them. I feel slightly better seeing others have had to wait several weeks. I just got the Chex confirmation letter with PIN number today, exactly two weeks after setting up the freeze onl...
by AAA
Mon Sep 25, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

Mudpuppy wrote:
Mon Sep 25, 2017 10:27 am
No, not all flushes would be affected. If it's the sewer line for example...
But the other toilet in the house has no problems - good flushes and fast refills.
by AAA
Mon Sep 25, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

bloom2708 wrote:
Mon Sep 25, 2017 10:00 am
This sounds more like the shut-off valve before the toilet.

Have you checked to see if the shut off valve below the toilet tank is fully open? The valve could be going out and need to be replaced.
Fully opened.
by AAA
Mon Sep 25, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

mhalley wrote:
Sat Sep 23, 2017 3:10 pm
I had a poorly flushing toilet that ended up being due to a partially clogged siphon jet hole.
Didn't know about the siphon jet hole. Will check that out, although wouldn't that affect every flush (given that the water levels are consistent)?
by AAA
Mon Sep 25, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

I wouldn't mind just getting a new toilet, as some have suggested, except that there is probably no way to match the old color scheme in the bathroom.
by AAA
Mon Sep 25, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

For the bad flushes, the physics of how a toilet works would indicate that is due to either a poorly filled tank or due to an obstruction in the sewage line, the trap part of the toilet, or the water jets around the bowl. The tank appears to fill the same for good or bad flushes. If there were any ...
by AAA
Mon Sep 25, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

Fine, but do you really think that the OP's newly installed fill valve, that didn't correct the issue, is the problem? Yes, if it was installed incorrectly (i.e. the same way) twice. I'm pretty sure that the installation was according to specs: top of fill valve is 3" above overflow pipe, water lev...
by AAA
Mon Sep 25, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

Wakefield1 wrote:
Sat Sep 23, 2017 6:59 pm
Defective new fill valve? Or flapper not being pulled up high enough by the chain?
As I mentioned, I even tried holding the handle down and got a sluggish flush, to make sure this wasn't the case.
by AAA
Mon Sep 25, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

Wakefield1 wrote:
Sat Sep 23, 2017 6:56 pm
If the fill valve is the problem the water level in the tank before a "bad" flush will be lower than before a "good" flush
As I mentioned, this does not seem to be the case.
by AAA
Mon Sep 25, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

Shallowpockets wrote:
Sat Sep 23, 2017 4:01 pm
Go and get a new valve.
Simple really.
That's what I did and it didn't help. Not so simple.
by AAA
Mon Sep 25, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

whodidntante wrote:
Sat Sep 23, 2017 2:43 pm
For slow fill, you could have:
low water pressure
obstruction in the fill valve
leaking flapper or toilet tank
haunted toilet
water pressure: as I mentioned, that seems okay
obstruction in fill valve: there is none
leaking flapper or toilet tank: nope
haunted toilet: I'm beginning to think so
by AAA
Mon Sep 25, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Re: Toilet Woes

livesoft wrote:
Sat Sep 23, 2017 2:40 pm
Here's a tip: Pretend you are a water molecule. What are you doing when someone flushes the toilet? You can pretend you start in the feed pipe and anywhere along the path to the sewer.
Okay, I'm pretending I'm a water molecule. Not sure how that helps.
by AAA
Sat Sep 23, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 42
Views: 4225

Toilet Woes

One of our toilets was taking a long time to refill, about 1.5 - 2 minutes. I bought a new fill valve (without a water limiter) and installed it per the instructions, first checking that the supply to the toilet was strong. It didn’t make any difference. The manufacturer suggested removing the top c...
by AAA
Thu Sep 21, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25055

Re: Is a security freeze at Innovis really needed?

gtd98765 wrote:
Sat Sep 09, 2017 12:43 pm
I don't know if it's needed but it is quick (one screen of info) and free. I did it for both my wife and myself in less than five minutes.
I had the same experience. About a week later we got the PINs in paper mail.
by AAA
Tue Sep 19, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4548

Re: Online Bill Pay Security: Push or Pull?

I'd prefer to give no one electronic access via ACH to my accounts, but that is not always a practical solution. I choose to minimize the number of places where that happens as an imperfect compromise. I see, but I'm back to my original question. What's to stop anyone from using the information pri...
by AAA
Tue Sep 19, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4548

Re: Online Bill Pay Security: Push or Pull?

It's occurred to me that I never gave my bank explicit permission to do these transactions so I've wondered about the potential for fraud. What's to stop anyone from using the routing and account numbers (on every check I write) to do a withdrawal from my bank? How does the bank know it's a legitim...
by AAA
Tue Sep 19, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: CDs and Required Minimum Distributions
Replies: 11
Views: 826

Re: CDs and Required Minimum Distributions

Are we talking about bank CD's or brokerage CD's such as are sold by Vanguard? I believe that if you only have brokerage CD's in your IRA and you need to take a RMD, the whole CD must be liquidated. In such a case, as each CD matures, you might want to set aside an amount in a MM fund to cover the R...
by AAA
Tue Sep 19, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4548

Re: Online Bill Pay Security: Push or Pull?

I've given various entities (credit card company, Vanguard, etc.) my bank numbers and they take the money out when I go on their website and "pay bill" or do a "buy" of a fund. Others, such as the utility company, do it automatically without my intervention. It's occurred to me that I never gave my ...
by AAA
Mon Sep 18, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1178

Re: Manufacturers rebate for Chevy Cruze

Maybe you could make the deal on, say, Oct. 1, but not actually pay for it until the 5th. When we bought a car a few years ago, we signed the deal on a Friday and I told the salesperson that I could come back early the next week with the check and pick up the car then (I forget the details, maybe I ...
by AAA
Sat Sep 16, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Mr AAA, I just received a notice from you that you provide a free credit monitoring service with my AAA membership. Could you please confirm? :wink: Sure. Just send me your name, address, social security number, driver's license number, height, weight and a list of all your assets. And don't worry,...
by AAA
Sat Sep 16, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

I have not signed up for Equifax's credit monitoring yet and I'm not sure if I will. But I was wondering, if after being told that I was a victim of the hack, if I follow the link provided does it just set up the monitoring, presumably already knowing who I am, or does it ask for input of personal i...
by AAA
Fri Sep 15, 2017 8:45 pm
Forum: Forum Issues and Administration
Topic: Software Updated to phpBB 3.2.1
Replies: 38
Views: 2736

Staying logged in

I had posted previously about the forum not keeping me logged in (despite choosing that option) and having to log in again every couple of days. Others had similar experiences and there didn't seem to be a fix. I noticed in the past couple of weeks or so that it was keeping me logged in. Reading now...
by AAA
Fri Sep 15, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Has there been any clarification as to whether freeze PIN numbers were compromised?
by AAA
Wed Sep 13, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

I also adjust my withholding so that there is not much of a refund (not due to this breach but just as a general practice) so I guess that provides some inherent protection from a refund being stolen. I'm not understanding this. Someone could file a return with exaggerated deductions and/or losses,...
by AAA
Wed Sep 13, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Does anyone know how to change the "random" PIN number Equifax gives you upon freezing? I can't find anything on their website about it and I am trying to do this online rather then wait on hold with them about this. While I think Equifax could have used a better method for generating PIN numbers, ...
by AAA
Tue Sep 12, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6311

Re: Fidelity Security

This has been demonstrated to actually have happened at cell phone companies in order to steal people's numbers and therefore get access to their SMS based two factor codes. It is why two factor via text messaging is inherently less secure than app or physical token based 2FA methods. Can you elabo...
by AAA
Mon Sep 11, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Further, normal credit thaw / refreeze may take a while I gather (no personal experience though!), while this lock/unlock feature seems instantaneous. Another hidden benefit for when you need to thaw for a limited time? (Not to mention, thaw/refreeze would be free, not cost money like it does in my...
by AAA
Sun Sep 10, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: eBay Best Offer Strategy
Replies: 19
Views: 2184

Re: eBay Best Offer Strategy

When I'm on eBay as a buyer and I see a Best Offer option, that tells me right away that the buyer's asking price is probably artificially high as he is willing to accept a lower amount, but probably not much lower. If it's something I really want and the price seems reasonable, I'll offer about 10%...
by AAA
Sat Sep 09, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6311

Re: Fidelity Security

SMS transmissions are increasingly being intercepted/misdirected, using a solution like Symantec or an open source variant or hardware device to provide a token is far superior imho. Not sure why you are hung up on the use of the Symantec product. Thanks for the explanation. I believe Vanguard and ...
by AAA
Sat Sep 09, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6311

Re: Fidelity Security

The role of Symantec is only to provide a rolling six digit code for you to use when logging in to the Fidelity Website. So when you attempt to log in, you will enter your username and password as usual and you are taken to a new screen which asks for the Symantec six digit code. Once entered, you ...
by AAA
Fri Sep 08, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6311

Re: Fidelity Security

FinanceGeek wrote:
Fri Sep 08, 2017 8:15 pm
With Fidelity you type the 6 digit code into a separate web page after putting in your password.
Okay, but just to confirm (as I'm not sure a Fidelity rep would necessarily know or share): Symantec doesn't know your Fidelity password, right?
by AAA
Fri Sep 08, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

After entering my information, it brought up a window telling me that I could enroll in the service they're offering on such-and-such a date. There was no explicit statement of whether my information had been impacted or not. They did tell me clearly that I was impacted. Maybe that means you're not...
by AAA
Fri Sep 08, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6311

Fidelity Security

I thought I had asked Fidelity about 2-factor authorization fairly recently and they said it wasn't available, but I found information on two methods on their website (below). I will be calling them to discuss and possibly set up (using the latter method on my Mac, not smartphone), but I would like ...
by AAA
Fri Sep 08, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Help me to understand the danger to existing accounts. My understanding is the real danger in identity theft is from accounts being open in my name I am unaware of as opposed to hacking existing account where my assets have guarantees. I open an account as TheTimeLord in Minsk, Belarus. I link the ...
by AAA
Fri Sep 08, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

Everyone talks about freezing files at the three major credit bureaus, which I've done, but apparently there is another bureau (Innovis) which I had not heard of until now. Can/should one also freeze files there?
by AAA
Thu Sep 07, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46938

Re: Equifax customer information leak

I went to their dedicated website, www.equifaxsecurity2017.com, "to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection." After entering my information, it brought up a window telling me that I could enro...
by AAA
Sun Sep 03, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4062

Re: repairman broke washing machine, what would you do?

With all the discussion of hoses... we have shut off valves right at the washer for the water feeding the hoses. We keep these closed except when doing a wash.
by AAA
Sat Sep 02, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4062

Re: repairman broke washing machine, what would you do?

island wrote:
Sat Sep 02, 2017 2:42 pm
Water squirts out of the back and that wasn't a problem or the problem area!
Did you check the hose connections? Where is the water coming out?
by AAA
Fri Sep 01, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1266

Re: Which free software for new (late 2015) iMac

I've used Macs for years and have generally believed what we were told about the need or lack thereof for anti-virus software, but also have read where things may be changing. So to play it safe I've had the free version of Sophos Anti-Virus on my MacBook Pro for the past few years. It is very unobt...
by AAA
Thu Aug 31, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding what to do about tax exempt fund in California, specifically VCAIX at Schwab.
Replies: 11
Views: 1188

Re: Deciding what to do about tax exempt fund in California, specifically VCAIX at Schwab.

Try to find out how much commission your Schwalbe "fixed income specialist" would make on you if you went with his plan. At least with the brokerage that one of my relatives used to use, when individual bonds were purchased the "commission" box in the transaction notice was blank. They made their m...
by AAA
Wed Aug 30, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Umbrella Policy Coverage
Replies: 17
Views: 1608

Re: Umbrella Policy Coverage

Usually, the incremental cost to go from 1 to 2 million is not that great, so that may help you to decide. I say do whatever makes you comfortable considering the cost. I started at 1 and increased it later on. I figured I'd feel silly if I needed a higher amount but didn't take it just to save an a...