Search found 76 matches

by CFIT
Mon Oct 12, 2020 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance: change from multi to single family
Replies: 0
Views: 202

Refinance: change from multi to single family

I've been working with AIM Loan to refinance my house from 3.5% to 3%. The process, started at the end of August, has been slow, but things seemed on track until it was discovered that my house is listed by the county as a multi-family dwelling. The previous owners rented out a downstairs studio apa...
by CFIT
Thu Sep 10, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Finding an air purifier which makes high-frequency sound
Replies: 17
Views: 1081

Re: Finding an air purifier which makes high-frequency sound

I bought a Snooz fan machine to mask the sound of the freeway near my house. I like it because there is an actual fan inside the unit. You can adjust the fan to get higher or lower pitch and to change the volume. I keep the volume equal to that of the cars on the freeway and it covers them quite nic...
by CFIT
Wed May 27, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1608

Re: Bird Nest Forming Under Deck

I have finches around my house and put up CDs on strings to discourage them from building nests. The problem with the nests is that when the chicks have left and the nest is empty the bird mites enter the house looking for a new source of food. The good news is that the mites can't live on human blo...
by CFIT
Tue Mar 31, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: USPO change of address during the crisis?
Replies: 10
Views: 704

Re: USPO change of address during the crisis?

Thanks for the advice! This is really quite helpful. I've passed it on to my dad and he is considering the options.
by CFIT
Mon Mar 30, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: USPO change of address during the crisis?
Replies: 10
Views: 704

USPO change of address during the crisis?

My dad was visiting me as the coronavirus pandemic began. It looks as though he won't be going home anytime soon and I'm wondering what to do about mail at his house. So far, we've put a hold on delivery, but that is only good for 30 days. It looks as though filing a change of address request to hav...
by CFIT
Wed Dec 18, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Installing grab bars in fiberglass shower stall
Replies: 16
Views: 1243

Re: Installing grab bars in fiberglass shower stall

Thanks for the suggestions and advice! I really wish that I could go with the suction bars since that would be easy, but the consequences if they let go would be bad. I need to see what I can do to figure out the studs.

Thanks again.
by CFIT
Sun Dec 15, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Installing grab bars in fiberglass shower stall
Replies: 16
Views: 1243

Installing grab bars in fiberglass shower stall

My octogenarian dad, aunts, and uncles live in a place that is hot in the summer and cold in the winter, unlike the place where I live. This imbalance of climate has seen my house become the new vacation destination for the older generation. I'm looking into changes to make my house safer and more c...
by CFIT
Mon Dec 09, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Best paper notebooks for workplace notes
Replies: 21
Views: 1823

Re: Best paper notebooks for workplace notes

I kept notebooks for all the years that I worked in IT and never cared about moving to digital. I used notebooks from Komtrak http://komtrak.com/ . Several sizes, great quality paper, and a spiral binding that allows you to remove or insert new pages as needed.
by CFIT
Fri Oct 04, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Regulatory authority: myequifax login problems?
Replies: 4
Views: 815

Regulatory authority: myequifax login problems?

This is likely grasping at straws, but is there any regulatory authority to which we could complain about the widespread login problems with myequifax.com? My experience, mirrored on many threads here, is that month after month I get a login error when trying to access my account. Yes, I have called...
by CFIT
Thu Sep 19, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Smaller iPhones have worse reception?
Replies: 11
Views: 789

Re: Smaller iPhones have worse reception?

Thanks so much! In all my time in the Internet I can't recall receiving such a rapid and well-informed reply to a question. The model number of my phone, mx8j2ll/a , isn't listed on the page you referenced, but your explanation makes a lot of sense. On the down side, it looks as though I'll still ne...
by CFIT
Thu Sep 19, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Smaller iPhones have worse reception?
Replies: 11
Views: 789

Smaller iPhones have worse reception?

Two years ago I bought an iPhone 8Plus, replacing my smaller iPhone 6. Although the larger screen was nice, I don't use my phone for much more than text. The larger size is awkward for me to handle and rubs against my leg when I have it in my front pocket. With the introduction of the new iPhones la...
by CFIT
Wed Jul 24, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 74
Views: 13994

Re: Equifax: can’t log in

Oh, I found the number: (800) 349-9960. The automated system was confused when I entered my PIN though, and treated it as multiple attempts to enter a PIN and, yep, locked my account. Gave up, called the tech support number, and had them unfreeze my credit for the date range I needed. The rep said t...
by CFIT
Wed Jul 24, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 74
Views: 13994

Re: Equifax: can’t log in

That is hopeful about the PIN, since I still have mine. Can you tell me how I can use it to unfreeze my credit? That would be a major help!

Thanks
by CFIT
Wed Jul 24, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 74
Views: 13994

Re: Equifax: can’t log in

I have been trying to log in to myequifax.com for a week now. Something is seriously wrong with the system. I use a local password vault and have a complex password which I have not changed since I set it. On 7/17, I used that pw and my email address three times attempting to log into my account, th...
by CFIT
Tue Jul 23, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 6507

Re: Tree guy is no-show; payment was "deposit"

Payment was by check, so no cc to reverse the charge. $500 was for the entire job.
by CFIT
Mon Jul 22, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 6507

Re: Tree guy is no-show; payment was "deposit"

Thanks very much for the suggestions. I will pass them on to my friend and report back on the outcome.

On the "deposit" aspect, I believe my friend missed that term when signing the paperwork, as he considered what he had provided a payment, not a deposit.

Thanks again!
by CFIT
Sun Jul 21, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 6507

Tree guy is no-show; payment was "deposit"

In early May, my friend in Delaware paid a guy who runs a tree service $500 to have a tree cut down. Over two months later it has not happened. When he talks to the tree guy's wife (who does the scheduling) he is told that they are very busy, but will get to my friend soon. My initial advice was to ...
by CFIT
Thu Jul 04, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 9879

Re: Frontier or Spirit Airlines

I flew Frontier for the first time last week. It was not only cheaper than Southwest, it got me to my destination without having to change planes. The overall experience was good. Baggage drop, check in, boarding was all fine. It was nice to have a reserved seat for a change, although I did have to ...
by CFIT
Mon Jul 01, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 27389

Re: The Fall of Consumer Reports

Did anyone else get the email from CR "Get Great Deals on Recommended Vehicles" last week? It is a car buying service that tells you what others have paid for the car you are after, what the inventory is on dealership lots, and gets you "Competitive Pricing?" Have they always don...
by CFIT
Wed May 01, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to create account on ssa.gov
Replies: 15
Views: 1539

Re: Unable to create account on ssa.gov

I'm having similar problems. I unfroze my credit with Equifax but still got an error at the end of answering multiple choice questions about loans and places where I had lived. I was locked out of the application, and called SSN for help. They unlocked it again but I got the same results. The nice S...
by CFIT
Wed May 01, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 9720

Re: Retirees: I'm not going to run out

Before my wife and I decided to buy a new house in 2012, I ran the numbers to see if we could make it on just my pension and retirement savings, excluding my wife's contributions. The numbers checked out, we bought the house, and lived happily until I lost my job in 2014. I decided to retire and hop...
by CFIT
Mon Apr 22, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1641

Re: Apple Air

"You can do things with Micro Channel other PCs just can't handle!" For example, when IBM introduced the IBM PS/2 series they certainly implied that "PS/2's," i.e. the models in that line, had 1) Micro Channel Architecture I/O and 2) having a case that could be easily opened with...
by CFIT
Thu Apr 11, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Need a new microwave
Replies: 38
Views: 3392

Re: Need a new microwave

I bought a Whirlpool WMH53521HW two months ago and really like it. Consumer Reports gives it top rating.
by CFIT
Sat Jan 26, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Amazon marketplace delivery problem: who is to blame?
Replies: 11
Views: 1107

Re: Amazon marketplace delivery problem: who is to blame?

On both items the trail went dead with USPS tracking numbers. It looks as though the orders were fulfilled by Amazon, so I'll remove the one star rating.
by CFIT
Sat Jan 26, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Amazon marketplace delivery problem: who is to blame?
Replies: 11
Views: 1107

Amazon marketplace delivery problem: who is to blame?

About a month ago I ordered two small items from an Amazon marketplace seller. Neither item arrived. I got refunds for them and gave the marketplace seller a one star rating. A short while later I had an email from the seller saying: we hope you realize amazon did the shipping on this, they have our...
by CFIT
Fri Oct 19, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 9754

Re: Best way to complain about Hertz bait-and-switch?

Thanks very much for the advice and insights! I'll post again later and report what headway, if any, I make.
by CFIT
Wed Oct 17, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 9754

Re: Best way to complain about Hertz bait-and-switch?

Water under the bridge, it's true, but if I can do something with minimal effort on my part that causes the tiniest bit of unhappiness for them I'm up for it. They lied to my face and that makes it personal to me.
by CFIT
Wed Oct 17, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 9754

Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $3...
by CFIT
Sun Aug 12, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 3003

Re: Junk Mail

I used to be bothered by junk mail. Now I welcome it as it means more money to the Post Office, an institution that is struggling under punitive legislation regarding funding retirement for its workers. Same with all the adds that come in newspapers. I used to hate that but with papers struggling to...
by CFIT
Fri Jul 06, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2777

Re: how to diagnose problem with cable internet speed

Good idea to connect an ethernet cable to the cable modem or router and run a speed test. I usually try a couple of different speed test sites but use dslreports from habit ( http://www.dslreports.com/speedtest ). You can also download and run wireshark, a network protocol analyzer ( https://www.wir...
by CFIT
Fri May 18, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1630

Re: Quadcopter Drone anybody? - for beginner

You might try a real cheapie to get a feel for it. I bought a $24 Eachine drone from Amazon and had a good time with it. It's only really good for indoor flight, doesn't have a camera, and the batteries last only four minutes (I bought several), yet it gave me a good feel for flying a quadcopter. Fo...
by CFIT
Thu Apr 19, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 8115

Re: Factor in evaluating Physicians

I think that it does influence physicians even if it is not buying them off with cash. It places the companies and their representatives as pals or allies of the doctor who will be looked at more favorably than an entity that has not provided a meal. I saw the same situation with IT vendors when I w...
by CFIT
Sun Apr 08, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Water pressure regulator sanity check
Replies: 7
Views: 909

Water pressure regulator sanity check

Two months ago I had a water pressure regulator installed on our house. There had been none before and our pressure was above normal. My wife and I noticed the change right when we took showers. I told her that, at least, our water bill should go down even if we missed the forceful torrent from the ...
by CFIT
Thu Mar 22, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Thunderbird Malfunction
Replies: 13
Views: 1656

Re: Thunderbird Malfunction

That is an odd problem. You might try looking at the Thunderbird error console when this problem occurs. Tools->Developer Tools->Error console. There are tabs at the top of the error console that let you select the type of errors you want to view. Mine only shows javascript errors right now but my T...
by CFIT
Tue Mar 20, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Thunderbird Malfunction
Replies: 13
Views: 1656

Re: Thunderbird Malfunction

In Thunderbird ( 52.6.0) the bottom panel in my screen shows status in the left corner. When I hit the "Get Messages" button in T-bird that are shows things like "me@myhost.com" logging in, checking for mail, etc. Do you have that status panel and what does it say when you try to...
by CFIT
Thu Feb 22, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Replacing Tires on BMW X3
Replies: 31
Views: 16912

Re: Replacing Tires on BMW X3

This post caught my eye because I have just purchased at 2017 X3, CPO, with 9,500 miles. One question I have: will standard tires give better performance that run flats? I recall that when run flats first came out I read a lot in sports car forums about how inferior their performance to standard tir...
by CFIT
Sun Feb 04, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1831

Re: Is VPN needed on a home desktop PC?

I've had a VPN for my desktop through Private Internet Access for about seven months. The problem is that some of the websites I want to access for general web surfing recognize my PIA IP address as coming from a VPN. Due to abuse by others using the same VPN (and thus the same IP address) some webs...
by CFIT
Sun Jan 28, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: BMW All Surface Protection Program
Replies: 14
Views: 3387

Re: BMW All Surface Protection Program

I just bought a BMW X3 a few days ago. On of the extras that they wanted to sell me on closing was treatment with Cilajet for $645. Looking around the Web I didn't find any favorable reviews that were not from BMW dealers or the company itself. I'm passing on Cilajet.
by CFIT
Sat Jan 20, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding acct to pull money for a new car?
Replies: 10
Views: 932

Re: Deciding acct to pull money for a new car?

Yes, I'm retired. I'm in the 24% fed bracket. No penalty on the IRA withdrawal but it would be taxed as income.
by CFIT
Sat Jan 20, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding acct to pull money for a new car?
Replies: 10
Views: 932

Re: Deciding acct to pull money for a new car?

Thanks for all the quick, helpful replies!

I hadn't thought of getting a low interest loan or leasing. Toyota doesn't have 0% financing of the 4Runner I'm getting but I'll check to see about loans from other sources.
by CFIT
Sat Jan 20, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Deciding acct to pull money for a new car?
Replies: 10
Views: 932

Deciding acct to pull money for a new car?

It looks as though I'll be purchasing a new car in the next week or so. Like a good Boglehead I will be paying cash. I am retired. The question is which Vanguard investment account to use: 1) Vanguard brokerage (non-retirement) Pro: I'll only have to pay capital gains on the withdrawal. Con: This wi...
by CFIT
Sun Oct 22, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 7059

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

Have you ever done any kind of competitive driving? I ask because I've been a sports car guy all of my life (Datsun 240Z, Toyota MR2, RX7 twin turbo, BMW Z3, Porsche 993). When I got the Porsche I joined the local Porsche club and started autocrossing. True, it isn't wheel-to-wheel racing, just you ...
by CFIT
Thu Sep 14, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 4268

Re: Can not decide between washing machines

We bought a new Samsung washer (WF363BTBEUF) five years ago when we moved into our house. Three years later the gasket that seals the door developed a tear and had to be replaced. At the same time we bought a Samsung refrigerator that, though poor design, freezes over the water drain and requires a ...
by CFIT
Fri Sep 08, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Sport Rx Glasses (for Mountain Biking)
Replies: 9
Views: 1496

Re: Sport Rx Glasses (for Mountain Biking)

You can order bicycling glasses with prescriptions from https://www.sportrx.com/ . They have Oakley, Rudy Project, Smith and others. I bought a pair of Revo sunglasses with progressive lenses from them back in April and have used them as my riding glasses. I'm local so I was able to visit the store ...
by CFIT
Wed Jul 26, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 82
Views: 14109

Re: BMW Z3 or Z4 or nothing at all?

We have a '98 Z3 2.8 that we bought used in 2000. It has been a solid car and is still my wife's daily driver. With the top down, I think that our Z3 offers everything you could ask for in a roadster. No major mechanical issues but the top needs to be replaced ($950). The car came with the optional ...
by CFIT
Sun Jul 16, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: '99 4Runner with steering/suspension problem
Replies: 2
Views: 545

Re: '99 4Runner with steering/suspension problem

Thank you. I'll give that a try.
by CFIT
Sat Jul 15, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: '99 4Runner with steering/suspension problem
Replies: 2
Views: 545

'99 4Runner with steering/suspension problem

I have a '99 Toyota 4Runner that I've owned since new. Lately I've noticed that when I go over rough or uneven pavement I can feel a "bump" through the steering wheel, and sometimes hear it as well. The last time I drove over a true washboard road it felt and sounded as though someone was ...
by CFIT
Thu Jul 06, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 13425

Re: Is it Safe to Get Your DNA Tested?

Our friends gave us DNA analysis with ancestry.com for Christmas. We declined since we didn't want our DNA linked to our names to be out on the Internet. Fortunately our friends let us submit with ancestry under their account using the names of our dogs. Somewhere out there "Blackie Dog" h...
by CFIT
Mon Jun 19, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Choosing between two siding contractors
Replies: 8
Views: 1435

Re: Choosing between two siding contractors

I appreciate the suggestions and advice. With your help I've decided to go with the first contractor, the one I've used before. I guess that there is a money value to me in going with someone who has done good work for me in the past.

Thank you.
by CFIT
Mon Jun 19, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Choosing between two siding contractors
Replies: 8
Views: 1435

Choosing between two siding contractors

I need to have new siding put on the south side of my house and intend to use Jame Hardie fiber cement siding. My house extends over a hillside so that the job will require scaffolding over a three story drop. I've gotten two bids and am trying to decide between them. Contractor 1: The guy who put t...