Search found 281 matches

by jbuzolich
Mon Nov 12, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Laptop warranty-Costco’s version?
Replies: 4
Views: 483

Re: Laptop warranty-Costco’s version?

Squaretrade used to have amazing word of mouth feedback. I have known people who appreciated the easy claim process. The company has been aquired by a major insurance company though and the positive vibes seems to be gone. I don't have direct experience and I imagine I would still trust it if Costco...
by jbuzolich
Mon Nov 05, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Diamonds [Earrings and ring]
Replies: 22
Views: 2232

Re: Diamonds [Earrings and ring]

The few purchases I've done with my wife have been with Blue Nile and it was a good experience. Specifically on the engagement ring, she got mad at the price when she saw what I was building and negotiated me down to spending less even though she liked the setting and stone shape. Was further confir...
by jbuzolich
Sun Nov 04, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3434

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

There is a lot of judgement and preference between individual dentists in my opinion. Your previous dentist may have not done anything wrong at all in recommending a replacement crown, if they felt the underlying structure was still ok. The new dentist might be much more conservative and would have ...
by jbuzolich
Sun Nov 04, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5894

Re: Deal fell through and didn't get escrow money.....

Agree with the other posts in that sounds like seller didn't understand contingency. Nothing to do with mortgage crisis. Contingency condition was triggered so deal was off with no penalty. Around here anyway I would think the earnest money would only go to the seller in a really rare situation and ...
by jbuzolich
Sat Nov 03, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1767

Re: Credit card Surcharges

Agree on the recommendations to check out Square or the processor advertised by Costco. The Square rates are around 2.75% maximum on swiped transactions and you negotiate down from there if you have volume.
by jbuzolich
Sat Nov 03, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1200

Re: Where to stay to visit Yosemite

Decide which area and entrance of the park you want to visit. I'd say it's too large to visit more than a couple areas from one of the gates in only a couple days. I also recommend a house rental such as Airbnb near whichever side of the park you want most. We have a place we occasionally rent out o...
by jbuzolich
Wed Oct 31, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4660

Re: Am I Risking My Life to Sell My Car?

I would just drive to the closest tire shop and ask them to replace with lowest cost available, even if used. Should be $100 or under. Then drive straight from tire shop to CarMax on the same trip and drop it off. Get your check. Carpool or ride share home.
by jbuzolich
Sat Oct 27, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Car hit while parked, no note, just want damages as cash from insurance
Replies: 18
Views: 2904

Re: Car hit while parked, no note, just want damages as cash from insurance

Just had to total my car at the end of September. Hit from behind while we were stationary. Anyway our insurance emailed me the value estimate within a couple days and just gave two numbers. The higher number I mail them the title, the slightly lesser number I keep the car. We did not want the vehic...
by jbuzolich
Wed Oct 24, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Cat's dental work costs
Replies: 31
Views: 2241

Re: Cat's dental work costs

This bill looks very average to me especially since it's described as surgery and not just a cleaning. Any time our pets need something dental I immediately buckle down for $1000 or more.
by jbuzolich
Sun Oct 21, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 40
Views: 3390

Re: Has anyone taken out an online mortgage?

+1 for aimloan.com. We've done a purchase and a couple refinances through them and it was quick and easy. I love the options of modeling the rates with the related closing costs, going less out of pocket when we wanted to.
by jbuzolich
Wed Oct 17, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Transfers
Replies: 3
Views: 1018

Re: Ally Bank Transfers

Do you have a question or you are just sharing your experience? Is there a reason you didn't want to directly manage the CD yourself in your Ally account? I've had and still have a number of CDs with Ally. Redeeming CDs always had instant availability into savings or checking at Ally. Could transfer...
by jbuzolich
Sat Oct 13, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Pension fund fiduciary
Replies: 2
Views: 257

Re: Pension fund fiduciary

That does not sound like an enviable position to be in. Are you also an employee of the company that has this pension or are you a participant of the pension you are a fiduciary member for? I am a fiduciary for a 457b plan of which I am a participant and am a member with others of the oversight comm...
by jbuzolich
Sun Sep 30, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2425

Re: city water sewer vs well septic

Definitely positives and negatives with both. I agree with the earlier comment about with well and septic you pay it in the end anyway but likely much less on a monthly basis. When we were looking at cabins, first place we were on contract with was contingent on inspections. Paid quite a bit out of ...
by jbuzolich
Fri Sep 28, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3500

Re: Good flip flops

Reef Fanning was a huge change for me. Now that's all I buy and I watch the Olukai as well but have not bought any yet. Each pair of Reef Fanning last me a couple years with at least one tropical trip yearly and near daily part time wear at home.
by jbuzolich
Tue Sep 18, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: CalSTRS Pension - Does refund of contributions make sense?
Replies: 7
Views: 725

Re: CalSTRS Pension - Does refund of contributions make sense?

Another thing to consider is access to healthcare. I'm PERS and my wife is STRS but we're both 20 years from retirement. If you leave your funds on account and eventually take the pension you can also pay the healthcare rates for coverage through their offerings. If you cash out completely and are n...
by jbuzolich
Mon Sep 03, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6877

Re: Walmart is not Amazon

My experience has been similar in that Walmart is getting some orders from me now but still has a long way to go in regard to selection and then reliable shipping. Packaging is about even and both do really stupid packaging about half the time. The worst packaging ever though was a Google Express or...
by jbuzolich
Sat Jul 28, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10355

Re: Toughest Purchase of my Life. Engagement Ring time

My wife got mad at me and negotiated back from the original engagement ring I was building at Blue Nile. She would have wanted even less than we settled on but I was kind of into gems in high school so I had some minimum specs that I wanted. Still though she talked me back to the lowest I could do. ...
by jbuzolich
Mon Jul 02, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7171

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Probably already talked to death but yes there is a high level of visibility here on the fees and other charges but they don't seem unreasonable to me. The only one on that screenshot set by the host is the cleaning fee which at $15 seems really low. The service fee is set by Airbnb and they charge ...
by jbuzolich
Sat Jun 30, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3896

Re: Best insurer? Allstate vs chubb vs AAA or others

Another +1 for Amica. I've had a total car loss with them and they made it comfortable as it could be. All our policies are with them and I don't expect that will change.
by jbuzolich
Tue Jun 26, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7507

Re: Tequila and Magaritas

I can't stand Jose Cuervo and can't really say why. Don't care for it and get a headache. El Jimador is my tequila of choice and get the reposado plenty of places locally for $15-$16 usually. Mix that with Costco margarita mix without alcohol and I always get compliments. Even more compliments with ...
by jbuzolich
Sun Jun 17, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2163

Re: Sacramento Home Owners - House Areas/Questions

I think one important reminder for anyone reading this is that all these towns are in the general Sacramento area, yes, but are also a half hour to one hour drive from each other or from Sacramento depending on traffic. We're coming up on ten years in Woodland which is just ten minutes north of Davi...
by jbuzolich
Sat Jun 16, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited jewelry & diamonds--how to value & how to sell?
Replies: 5
Views: 1308

Re: Inherited jewelry & diamonds--how to value & how to sell?

If jewelry is well known designer you might get some value for it but perhaps 50% of retail at most. Jewelry just has terrible resale in my experience. Probably because of the huge markup claimed in the original creation and sales. There are multiple refineries that will buy the metal for 85%-95% of...
by jbuzolich
Sun Jun 03, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: want to buy a larger bed
Replies: 14
Views: 1418

Re: want to buy a larger bed

We have a standard King which is wider. Also sometimes called an Eastern King to differentiate from the California. Regular King is more common name though. California king in the last 15 years seem to be considered the best by many but they are longer at the trade of being slightly more narrow. I'm...
by jbuzolich
Sat May 26, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Professional negotiator
Replies: 21
Views: 2598

Re: Professional negotiator

My reaction on first read through is that there could be interest but general demand would be low without a ton of marketing effort or if you really found a nitch with some group of regular buyers. The sample purchases you listed are often things a typical household would only do once every 5-10 yea...
by jbuzolich
Fri May 25, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Has anyone used www.newacunit.com before
Replies: 5
Views: 573

Re: Has anyone used www.newacunit.com before

Hope the install goes well, but yeah on the discount I was thinking you found it for $1600 when I opened the thread. Couple hundred you could likely do the same or better getting 3+ quotes. We installed a four zone ductless mini-split at our cabin and the quotes ranged just over $10k apart from each...
by jbuzolich
Sat May 19, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2537

Re: Mitsubishi wall air conditioner

Parents have a two zone Mitsubishi mini split at their house in Oregon and love it. We put a four zone Fujitsu mini split in our cabin towards Yosemite and love it. The cabin really wouldn't be as usable as it is now for us without that heating and cooling capability.
by jbuzolich
Thu May 10, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2505

Re: Custom suit needed for a wedding. Help me shop around!!

If you have a Nordstroms local go get fitted and see what the tailor has to say about your friend. Their semi annual men's sale is right around Father's Day and brands such as Hugo Boss can be had for approx. 50% off. I have a 10+" difference between my chest and waist and the tailor does wonders w...
by jbuzolich
Tue May 08, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2450

Re: Vehicle Tires and Dry Rot

Yes absolutely. Follow the manufacturer guidelines please. If you are a low mileage yearly driver it is very likely you will need to replace your tires far before you ever get near the wear bars. If your vehicle is parked full time in the sun they may only be safe for 3-4 years regardless of miles u...
by jbuzolich
Sat May 05, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: dad, can I have some money
Replies: 14
Views: 3513

Re: dad, can I have some money

Scenerio- dad roll-overed 401k to tira via advisor about 4 years ago when he retired at 62. paid like 40k tax on this (dumb advisor) so now sitting with 104k in tira This has me a little confused. The rollover to a tIRA should not have generated any taxes. What were the taxes for? Yeah me too, that...
by jbuzolich
Tue May 01, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: How to book family vacation package?
Replies: 1
Views: 323

Re: How to book family vacation package?

Most likely you will need to shop around on your own and find what works for you. I don't think there is any one best solution. Personally I use multiple options from your list nearly every time we go on vacation. I check package prices on all the big travel websites plus Costco. Usually end up book...
by jbuzolich
Thu Apr 26, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6644

Re: Comfortable Commuter Cars under $50K

Subaru legacy limited. I've done many seven hour drives in mine and find it very comfortable. Eyesight system is great for highway cruising or stop and go bumper to bumper traffic. Just did Sacramento to Disneyland and back with it. Less than two tanks of gas in total.
by jbuzolich
Tue Apr 17, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1289

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price ...
by jbuzolich
Tue Apr 17, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 12047

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You can always ask for a discount or to settle. Maybe offer 30% of gross charges as that is likely more than they would get from most other payers. With the situation you described though I would guess that it is highly unlikely. Your insurance is providing you a benefit of paying for part of the bi...
by jbuzolich
Fri Apr 13, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1289

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price p...
by jbuzolich
Sat Apr 07, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7507

Re: Tequila and Magaritas

I prefer a reposado for margaritas and always 100% agave. I recommend El Jimador as my favorite and easily find it under $20 per bottle. I don't like Cointreau in it or most of the mixes. Just lime juice, sugar, and water. The Costco Kirkland margarita mix is in our house all the time. The one witho...
by jbuzolich
Sat Mar 24, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 9229

Re: Costco Kirkland Brand Liquor

rg422 wrote:
Fri Mar 23, 2018 2:43 pm
Costco in California actually sells Kirkland brand cognac. To me, It's not as good as Hennessy XO. I don't recall the price, but it was about a 1/3 of the price of Hennessy XO, so it's definitely great value!
Our Costco always has XO levels of cognac as well for people that are so inclined.
by jbuzolich
Fri Feb 16, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4508

Re: Amica reocurring double digit increases in homeowners insurance

Long time Amica fan and supporter here. I agree with others and recommend you shop around but keep in mind the satisfaction of customers before you make your final decision. There are lots of Amica supporters on here if you want to message some directly. I hate paying, but my experience has been tha...
by jbuzolich
Fri Jan 26, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 24833

Re: I bought a stock today - Redfin (RDFN)

I love the Redfin app and I loved their business model but I feel like they already abandoned what their core message was about early on. At least the core messaging as it was presented to me. They wanted to be the disruptor and change the industry with technology. I feel like they already abandoned...
by jbuzolich
Mon Jan 15, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 2642

Re: Insurance: Who do you use? (Auto/Home)

Another +1 for Amica. We have home, auto, and umbrella with them. Rates keep going up but they seem to with everyone. I have personally gone through a total loss car claim with them and I continue to recommend them at any opportunity.
by jbuzolich
Sat Jan 13, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2287

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. My routers tend to die within five years regardless but I don't spend much on them either. We turn ours off every night and always when we go on vacation. We...
by jbuzolich
Sat Jan 13, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2287

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. Overheating should not be an issue assuming you have it uncovered with free air flow and not under a piece of furniture or buried in with other items or equip...
by jbuzolich
Wed Jan 10, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13437

Re: New mattress

Highly recommend the Chateau Collection from Stress O Pedic. [url]http://www.stressopedic.com/chateaucollection.html /url]. Funny name but we have two of the cashmere model and they have been very comfortable. Claim to have a twenty year warranty. The one I'm lying in right now is 10.5 years old and...
by jbuzolich
Thu Jan 04, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 3319

Re: Airbnb - Guide a beginner

We are a host on AirBNB for our cabin near Yosemite. I had also started to make a profile on VRBO but never went back to finish since the fees on the owner were higher then. We started hosting summer 2013 and have kept it going. Interesting and mixed experience as a host but it helps pay some of the...
by jbuzolich
Sun Dec 31, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2966

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

Our Hawaii trips are only to the Big Island since I feel like I grew up there. We would never be able to make it without checked baggage but I will definitely give a huge recommendation for Costco, Walmart, Target, and Ross on the Big Island. Easy access and very good prices where honestly we saw ze...
by jbuzolich
Fri Dec 22, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2504

Re: Recommend me a good laser printer for a chromebook!

Brother monochrome laser. Very inexpensive and works fine on chromeboxes and Chromebooks once you have it setup for the cloud and shared properly.
by jbuzolich
Tue Dec 19, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 37604

Re: Ally Bank 11 month No Penalty 1.75%

Sounds like I need to check my account to cash in earlier no penalty cd and roll a new one. I love doing that but often only learn about the rate change from this wonderful community. :)
by jbuzolich
Sat Nov 11, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7831

Re: GoDaddy - Any better options for website hosting?

pondering wrote:
Sun Nov 05, 2017 8:06 pm
jbuzolich wrote:
Sun Nov 05, 2017 7:53 pm
...The domain itself and email I setup through Google.
How long have you used this email setup?
About four months is all
by jbuzolich
Sat Nov 11, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 5045

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it...
by jbuzolich
Thu Nov 09, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 5045

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it ...
by jbuzolich
Tue Nov 07, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 768

Re: messages to mobile hotspot?

I reactivated two mifis with Verizon last week after not touching any for well over a year. Reactivation was quick and easy but while going through the menus to get the setup connection information I noticed both had a message area. It looked easy enough to read messages on but not sure if you could...