Search found 194 matches

by testing321
Wed Jan 22, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 3123

Re: Anybody else have trouble with USPS Informed Delivery?

My ID email has been missing the last two days, but the scans are there if I sign in.
by testing321
Thu Jan 02, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 46
Views: 4743

Re: What financial podcasts do you listen to?

I owe my early retirement to https://www.bloomberg.com/audio/shows I have been listening to these since 2010.
by testing321
Sat Dec 14, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Get Rid of Culligan System
Replies: 13
Views: 1214

Re: Get Rid of Culligan System

Looking at my local CraigsList, I see one Culligan Mark 100 system asking $100, and a Mark 89 asking $385.
by testing321
Fri Dec 06, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Washing Machine is loud - replace the bearings?
Replies: 9
Views: 542

Re: Washing Machine is loud - replace the bearings?

Just went through this with a 4.5 year old Whirlpool washer. The bearing was in the gear case and that part cost about half of what I paid for the washer, so I had to replace the washer. Searching, I found many other people had the same problem. It's a shame that these poorly designed machines are e...
by testing321
Sun Nov 17, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 2010

Re: Gift Card Already Used?

Some scammers buy these or something similar, scratch off gift cards in the store, take a pic of the code, put these stickers back on, then wait for someone to activate it.

Of course, they would be deterred by this quote on Amazon's site, "for Business Games and learning purposes".
by testing321
Sun Nov 10, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 49
Views: 3236

Re: Hard Wired smoke alarms. Recommendations.

Our smoke detectors are hard wired. We have one inside and outside each bedroom, 8 in total. One night they all went off at 2 in the morning for about 20 seconds. After checking that there was no smoke or fire we all went back to bed. I wondered which detector set them off. So next day, I read the m...
by testing321
Fri Nov 08, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: iPad air- purchase from Apple store of Costco?
Replies: 15
Views: 2551

Re: iPad air- purchase from Apple store of Costco?

Any veterans, or families of, here's a real deal on an Apple iPad Air 10.5" 64GB: https://www.shopmyexchange.com/apple-ip ... fi/1864369
by testing321
Tue Oct 29, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2379

Re: Please advise re wiping laptop SSD before gifting

To wipe deleted files so that they can not be recovered use this: https://docs.microsoft.com/en-us/sysint ... ds/sdelete
by testing321
Wed Sep 11, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Overpaying Medicare Part B when first collecting Soc Sec
Replies: 10
Views: 1194

Re: Overpaying Medicare Part B when first collecting Soc Sec

I was in this situation a few months ago. My first SS payment included my three month payment to CMS ($406.50) that I made the month before. They did this without any intervention.
by testing321
Tue Sep 03, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Got a free dehumidifier under warranty after 4.5 years
Replies: 5
Views: 686

Got a free dehumidifier under warranty after 4.5 years

The old one was a Frigidaire, 70 pints, 4 and half years old, and ran normally except it no longer produced any water. The warranty for the sealed system is 5 years. Just an FYI in case you have a similar failure. So I called warranty service and discussed it with a representative. Questions and ans...
by testing321
Sat Aug 24, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Windows 7 movie maker replacement(solved)
Replies: 11
Views: 1124

Re: Windows 7 movie maker replacement

ditb wrote:
Fri Aug 23, 2019 2:27 pm
What you want to do is find an offline install of Windows Live Essentials, and just install what you want from there. You can continue to use movie maker 7, which is what I currently do.
I'm using it on Windows 10. Works fine.
by testing321
Thu Aug 22, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2359

Re: Fidelity login security

I have lockdown "on" for all accounts, and only turn it off when I do the annual RMD to move money from IRAs into brokerage. Maybe its a false sense of security, but it gives me the warm fuzzies to hope the accounts are better protected. I'm trying to get the warm fuzzies, but I don't see ANY benef...
by testing321
Thu Aug 22, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2359

Re: Fidelity login security

I just got an email about this option. But if someone hacked your account login in order to send money out, they could just turnoff lockdown. What's the point? When I turn lockdown on/off, I receive an email alerting me to the change. If someone hacked my account, they'd have to change my alerts & ...
by testing321
Thu Aug 22, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2359

Re: Fidelity login security

I just got an email about this option. But if someone hacked your account login in order to send money out, they could just turnoff lockdown. What's the point?
by testing321
Fri Aug 16, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11755

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Texanbybirth wrote:
Fri Aug 16, 2019 2:35 pm
testing321 wrote:
Fri Aug 16, 2019 2:30 pm
I think the question is, does buying better ice cream or wine motivate you to consume more or less? If the latter, spend more on better.
What if it's the former? :)
That's a tough one.
by testing321
Fri Aug 16, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11755

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I think the question is, does buying better ice cream or wine motivate you to consume more or less? If the latter, spend more on better.
by testing321
Fri Aug 16, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 20
Views: 3955

Re: know anything about Old Surety or other odd Medigap players?

Yeah, they're not supposed to do that. Your wife is entitled to a six month guaranteed issue period around her age 65, no if ands or buts. Was this offered through an agent? If so, the agent was probably poorly educated on how to write the application. Any application for a Medicare Supplement I've...
by testing321
Fri Aug 16, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 20
Views: 3955

Re: know anything about Old Surety or other odd Medigap players?

My wife just signed up with Old Surety because it was the best deal for plan G in our state. They went through full underwriting even though she is just turning 65. There isn't supposed to be underwriting in this situation, but maybe they discourage those with issues by demanding more and more infor...
by testing321
Wed Jul 17, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 6734

Re: Box wine- update and recommendations?

I have tried the Bota Box and Black Box and think the latter is especially good for an inexpensive wine. I like the Cabernet and wife likes the Chardonnay and, in the summer, the Rose. Our Sam's Club has two of them, and Costco one of them.
by testing321
Thu Jun 20, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 5193

Re: Radon levels in home

You might be able to reduce radon levels by caulking any cracks in the basement floor. I used a clear silicone caulk.
by testing321
Mon Jun 17, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Restore Corrupted External Hard Drive
Replies: 20
Views: 1401

Re: Restore Corrupted External Hard Drive

In windows explorer, have you tried right clicking the drive, properties, tools and error checking?
by testing321
Sat Jun 15, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 11195

Re: Walking Cities, potential for retirees

I got to give my vote to Pacific Grove, CA. Its one of the most pleasant cities to walk around in. The climate is good for walking year round. The downside is high home prices.There is a downtown area with a small pricey grocery store and a shopping area about a mile away with Trader Joe's, Safeway ...
by testing321
Thu Jun 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9902

Re: Costco or Sam's Club?

We have both. Wife and my son share a Costco membership to keep the cost down. According to Quicken, we spend much more at Sam's. There are membership deals for new members at both stores, so I suggest trying each and see where you spend the most. We have the Sam's Club credit card which gives us 5%...
by testing321
Fri May 24, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2513

Re: Should I replace my AC?

I would replace. The new unit will be much more efficient than the old one. Plus, if there is a leak, its likely to get worse over time.
by testing321
Thu Jan 24, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: They Do Steal Those Credit Card Checks
Replies: 48
Views: 3752

Re: They Do Steal Those Credit Card Checks

USPS mistakes? Never! Although I've had 3 of my neighbor's W2s delivered to my mail box in the last week...... Did you accidentally open them to see how everyone stacks up? :) Mail delivery on my street is a joke as well. We are constantly walking around re-delivering our neighbors mail. I can conf...
by testing321
Fri Jan 11, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 81
Views: 6363

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Its not just you, your wife and three kids, but also the kids' friends now and then, or grand parents. One vehicle should be huge.
by testing321
Fri Jan 11, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7981

Re: Anyone here major in Economics in college?

My brother started off as an accounting major and didn't like it. He then switched to economics, got a BA degree, and then went to work for ideaLab! and became a product manager. He has since switched companies several times and has done very well financially in tech related industries as a manager ...
by testing321
Sat Dec 08, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15898

Re: Alternatives to TIVO

Tivo currently has a friends and family sale going through Dec 18th with the Roamio OTA 1tb going for $250 with a lifetime subscription. I got the 500gb version of this two years ago for $200 and we use it everyday. The DVR is much better than the ones you get with cable TV. It has four tuners, each...
by testing321
Sat Dec 08, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4579

Re: Rental Car Damage Issue

I have never had such a claim on a rental car, but I always take pictures and/or a video before and after just in case.
by testing321
Sun Nov 11, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs in the year one becomes 70 1/2
Replies: 24
Views: 1981

Re: RMDs in the year one becomes 70 1/2

Any funds that you withdraw from a retirement account counts toward the RMD.
by testing321
Wed Sep 26, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 4338

Re: First-time victim of credit card fraud

Sam's club uses chip readers, except on the gas pumps, which should make fraud very difficult.
by testing321
Sat Aug 04, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1471

Re: Google Voice went Poof

Wow, that's really scary. You should still be able to port your GV number out to some other service, like Line, or at least to a prepaid cell phone, so that you can keep using the same number. They can stop serving you, but they can't take away your legal right to take your number with you Unfortun...
by testing321
Sat Aug 04, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1471

Google Voice went Poof

I have been using GV for about a year and a half. It has been useful for texting and for making and receiving phone calls on a OBI200. I have recommended it to others. Well, a few days ago, it stopping working. I went to my google page on my computer, logged in and then went to voice.google.com and ...
by testing321
Thu Jun 21, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 6556

Re: Do you cancel old credit cards?

I wait for a revision in the terms to arrive in the mail and there is an 800 number to call to opt out which immediately cancels the card. They have a menu system so you don't have to speak to anyone.
by testing321
Sun May 13, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 4426

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Mazda 3 might be another option. Yes. We just bought a 2018 Mazda 3 Touring for my wife. Paid $20,250 "out the door" and it's being delivered to our doorstep on Monday for no extra cost. It's a top safety pick and according to Consumer Reports very reliable. I think the Corolla now comes with a CVT...
by testing321
Wed May 02, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance and Roof Coverage
Replies: 4
Views: 852

Re: Homeowners Insurance and Roof Coverage

Roof claims have been the bane of the homeowners insurance industry recently. A lot of insurance companies have moved to Actual Cash Value coverage of roofs. If a company is still offering replacement cost coverage on roofs, then it will be paying more in roof claims. We got a $35k roof replacement...
by testing321
Mon Apr 30, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 4196

Re: What Android browser do you use?

Firefox with the NoScript add-on that disables scripts from trackers. Also less of my data is being stored by Google.
by testing321
Sun Apr 08, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 14866

Re: Has used furniture dropped in value dramatically?

I have to make this comment. Many people retire in the Monterey Bay area of California, and the thrift stores there are stuffed full of dishes and other items from peoples' estates. Younger people are prone to cart it all away to a thrift store. If you like this sort of stuff, there is a bonanza in ...
by testing321
Sat Apr 07, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 20356

Re: Parents have zero savings. What can I do?

Encourage them both to work until age 70 and not to draw SS until then.
by testing321
Tue Apr 03, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 14
Views: 1780

Re: HVAC: R22 Freon leak, Replaced by 427A Retrofit

IMO if you have an R22 unit and it leaks or starts failing, bite the bullet and install a new R420a unit rather then pay a premium for an obseleted refrigerant. My 4ton unit was ~$4500 for the condenser, air handler and lineset. Fortunately reused existing ductwork and wiring. Not to mention that t...
by testing321
Sun Jan 07, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 38
Views: 4545

Re: Sling TV experiences

When our Uverse bundle went from $140 to $215 at end of a promotion, we decided to dump it. We went with Time Warner internet for $30 and signed up for Sling. Sling was as good as cable for us, but we soon discovered that it was so easy to give up cable because we weren't watching it much, so we gav...
by testing321
Mon Dec 25, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 1993

Re: Samsung J3 or J7

The J3 has a 5" screen, the J7 a 5.5" screen. Your 5c had a 4" screen. The J7 has the same size screen as a iPhone 6, 7 or 8 plus. The J3 has a 5" screen, slightly larger screen than a iPhone 6, 7 or 8 at 4.7". Otherwise the J3 and J7 have similar specs. One other difference is that the J3 has 5 and...
by testing321
Sat Dec 23, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is Software consulting considered a services business?
Replies: 13
Views: 2402

Re: Is Software consulting considered a services business?

Stormbringer wrote:
Sat Dec 23, 2017 3:41 am
The title "software engineer" has always been controversial but nevertheless is used widely, even by the Bureau of Labor and Statistics. Some states regulate the use of the term "engineer".
Many computer science degrees are granted from the school of engineering.
by testing321
Sat Dec 23, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 141
Views: 14007

Re: Queston about pass through income in new tax law

theplayer11 wrote:
Fri Dec 22, 2017 1:04 pm
I found this extremely helpful
https://www.watsoncpagroup.com/SubS.pdf
I see a huge amount of work ahead for the proprietors of tax software.
by testing321
Wed Dec 20, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 72253

Re: Tax Bill Omnibus Thread

I am re-characterizing my work from consulting to engineering.
by testing321
Mon Dec 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 8633

Re: Kidde fire extinguisher recall

I received an email today informing me that both of my replacements are backordered. I'm not pleased with the delay in obtaining what I consider essential safety equipment. Imagine having to replace nearly all the product you sold over the last three decades due to a recall.That would be a tough as...
by testing321
Tue Dec 05, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 29590

Re: Prepayment of SALT Taxes? [State and Local]

The due dates for my estimated state tax are the same as for federal tax. I plan to pay my payment for the 4th quarter estimated state tax (due Jan 16) this month so that it can be deducted on my 2017 federal return. I will make a very generous estimate of my state taxes due.