Search found 399 matches

by jbmitt
Sun Nov 17, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 30
Views: 2501

Re: Toyota Highlander vs Subaru Ascent--Advice

Another vote for the Ascent. My wife and I have a 2020 Ascent Touring with about 2000 miles on it so far. I convinced her to ‘downgrade’ from her last Acura. I compared it to the Honda, Acura, Toyota, and Volvo options. It works well for us. We couldn’t wait for the Highlander to be updated, so I el...
by jbmitt
Wed Nov 13, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 1927

Re: Bring A Trailer (car auction website)

This is all good information, but reads like an advertisement. What is actionable?
by jbmitt
Wed Nov 13, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3485

Re: Snow tires

You can get a full set of snows on rims for under $500. Kinda wish insurance offered discounts so more people would consider the investment. Exactly! It’s cheaper to run snow tires than to pay a deductible. Unfortunately, many people don’t seem to have the financial resources to better protect them...
by jbmitt
Tue Nov 12, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 16
Views: 1142

Re: acura rdx or mercedes glc300 small luxury suv

We had a prior model (2017) RDX that we turned back in when our lease was up. It was very reliable, but very average. For a few years, I felt like Honda put all of their innovation in their vehicles and neglected Acura. I haven't been in or driven the new model, but it looks sharp. We didn't conside...
by jbmitt
Sun Nov 10, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: My married son's employer health insurance - HDHP
Replies: 8
Views: 643

Re: My married son's employer health insurance - HDHP

You’re kid is married and possibly expecting and can’t handle his own health insurance? Generally speaking, birth of a child is a qualifying event and you have 30 days to add them. On our HSA plan, pregnancy would be subject to the individual deductible $2000 in network and subject to 20% coninsuran...
by jbmitt
Tue Oct 29, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Agreeing to part ways at job
Replies: 62
Views: 7922

Re: Agreeing to part ways at job

OP here. Been a long time and I thought I owed an update due to all the great advice and thoughts people sent my way. In short, there has been no change. I am currently still on paid leave of absence ( about 9 weeks). I have been asked to resign three different times and been offered once to return...
by jbmitt
Mon Oct 28, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1140

Re: How to get a refund from Norwegian Airlines

This is also an example of one of the trade offs associated with Low Cost airlines. The tickets were cheap, but there weren’t as many service recovery options as with a network carrier. Of course you are correct, but there's an upside if you fly a European carrier to Europe, including the low cost ...
by jbmitt
Sat Oct 26, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1140

Re: How to get a refund from Norwegian Airlines

Six weeks ago my Norwegian Flight (DY7059) from Paris to Orlando was cancelled after a > 5 hour delay. Since the next Norwegian flight to Orlando was 3 days later, my wife and I had to buy tickets from Delta on a flight leaving the next day at $3200/each. I applied for a refund from Norwegian on 9/...
by jbmitt
Wed Oct 16, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Insurer Not Involved Since Less Than Deductible
Replies: 10
Views: 730

Re: Auto Insurance - Insurer Not Involved Since Less Than Deductible

Unfortunately, until the damages exceed your deductible and your insurer makes a payment, they are without recourse to the at fault party. This is pretty standard and not applicable only to Amica.

Once a payment is made, they can subrogate against the at fault party or their insurance.
by jbmitt
Sat Oct 12, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer shopping: Best Buy cheaper than Costco
Replies: 20
Views: 1566

Re: Washer/Dryer shopping: Best Buy cheaper than Costco

I had the same dilemma and wanted to purchase via Costco. Based on our geographic region there was a $175 delivery fee, instead of the usual amount. Knowing that I took the information to the local BestBuy. The person I worked with insisted that I had to buy the extended warranty from BestBuy in add...
by jbmitt
Sun Sep 29, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Hypothetical Insurance Question
Replies: 7
Views: 559

Re: Hypothetical Insurance Question

A homeowners insurance policy likely provides some coverage for these kind of situations. I'm a renter. Could that be included in my renter's insurance policy then? Yes, if you have liability coverage. It typically applies to the liability of household relatives. The neighbor's auto policy might co...
by jbmitt
Sun Sep 29, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3733

Re: COSTCO Citicard credit/discount question

After we get our annual Costco rebate check we use it on our next trip to Costco (don't go through the self scan line). If the check is larger than our purchases they have given us the difference back in cash. This may be subject to local management policy. For us, our rebate checks are right about...
by jbmitt
Wed Sep 18, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8169

Re: Alternatives to Subaru Outback?

Maybe if the OP would tell us why he/they soured on the Outback we could be of more help. We and our daughter are both proud owners of the 2019 Subaru Outback in the Touring trim line. Where's the beef :?: I may do that later--right now I am too enraged to do so. DW wanted the Touring trim line as ...
by jbmitt
Mon Sep 09, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 795080

Re: What's Your Credit Card Rewards Strategy?

For the Southwest companion pass, one of us would open both credit cards and get it early in the calendar year and the following year. Subsequently, the other one of us would do it. Rinse and repeat. We moved and our local airport as well as our entire state isn’t served by Southwest so we don’t uti...
by jbmitt
Thu Aug 29, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance shopping - good alternative to State Farm for auto, home, umbrella
Replies: 20
Views: 1342

Re: Insurance shopping - good alternative to State Farm for auto, home, umbrella

Find a highly rated independent agent and give the agent your search criteria. This 100%. You’re unlikely to find better pricing if only considering the direct writers. You’re also more likely to make an error on your coverage and limit selections. I don’t like the commission model, but I still mak...
by jbmitt
Sat Aug 10, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Home Claim issues
Replies: 6
Views: 699

Re: State Farm Home Claim issues

Does your policy have an appraisal clause? Each party hires their own expert and then splits the cost of an agreed upon arbitrator. The arbitrator decides and both parties respect the decision. It’s usually for a dispute on damages, not coverage. Sounds like your issue may be that your policy doesn’...
by jbmitt
Thu Aug 01, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Farmer's Insurance Policy: is there an umbrella policy with fewer exclusions?
Replies: 11
Views: 1183

Re: Farmer's Insurance Policy: is there an umbrella policy with fewer exclusions?

I'm currently covered by an umbrella policy from Farmer's Insurance. This umbrella policy doesn't provide the coverage I was looking for. The exclusions are so broad that what's left is mostly an extension of homeowner's insurance and auto insurance. For example, people work for me, and while I tre...
by jbmitt
Fri Jul 19, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2375

Re: Glacier National Park

I personally don’t recommend offline airline connections. Especially not with only two hours, involving Frontier or via Denver. I’ve found Frontier to have a lot of delays in and out of Denver. Denver is currently in the middle of major renovation on top of being busy. I’d suggest that if you have t...
by jbmitt
Thu Jul 18, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Ameriprise Insurance selling to American Family Insurance - thoughts?
Replies: 3
Views: 338

Re: Ameriprise Insurance selling to American Family Insurance - thoughts?

American Family also operates Homesite and The General. They have a track record of keeping standalone companies. They’re also a Fortune 500, so not much to worry about.
by jbmitt
Mon Jul 15, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should i disclose my liability insurance policy limits?
Replies: 20
Views: 2634

Re: Should i disclose my liability insurance policy limits?

What did your insurance counsel you? Generally it’s a tactic to figure out whether you have low limits that your insurer can’t or won’t defend. The goal is for low limits to be tendered with low effort.

If it’s as you say, your claim is likely defensible. I personally would disclose my limits.
by jbmitt
Mon Jul 15, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to maneuver insurance claim between adjuster's estimate and contractor's quote
Replies: 6
Views: 655

Re: How to maneuver insurance claim between adjuster's estimate and contractor's quote

Pick your contractor, provide them with the estimate from the insurance and then let them both meet to reach an agreed cost of repairs. People make this so much harder than it has to be. You don’t need to obtain multiple estimates. The adjusters and contractors are usually pretty good about finding ...
by jbmitt
Thu Jul 11, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3791

Re: Avoid MD-88s [commercial aircraft]?

You can pick and choose whichever equipment you want to fly on, however on the day of, you might find another piece of equipment is at the gate.....what are you going to do then? Planes do get swapped out if the scheduled plane is not available. You can take really good care of your car, but it sti...
by jbmitt
Thu Jul 11, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3791

Re: Avoid MD-88s [commercial aircraft]?

No pilot will deliberately risk their life to take an unsafe plane. Delta and the MD-88/90/95-717 all have a safe reputation. Yes there have been some engine incidents and several uncontained failures but it’s a reliable airframe. Fortunately most routes have several types of aircraft if you chose t...
by jbmitt
Wed Jul 10, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 97
Views: 7789

Re: Friend's car caught in flood ?

It needs to get dried out. When I worked for an insurance company, many cars were not totaled if they were properly dried and had fresh water up to the doors and only submerged to the floor. For fresh water, it had to be above the dash for it to automatically total. It could still total based on ove...
by jbmitt
Tue Jul 09, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Cautionary Tale
Replies: 22
Views: 2452

Re: Umbrella Insurance - Cautionary Tale

I wonder, also, if some part of these legal expenses relate to the daughter's possible alcohol involvement. I doubt an Umbrella Policy would cover those. No; alcohol usage is merely the plaintfiff's assertion and would not be the basis for denial to defend. A judicial finding of, say, an intentiona...
by jbmitt
Tue Jul 09, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Storm damage on a wharf not covered by home insurance!
Replies: 11
Views: 1237

Re: Storm damage on a wharf not covered by home insurance!

I asked my insurance agent if I didn't have earthquake coverage and an earthquake caused a fire, water damage from broken pipes, or landslide would I be covered and she said yes. Just structural damage caused by the shaking would not be covered, so they wouldn't fix the broken pipe itself but would...
by jbmitt
Tue Jul 09, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Cautionary Tale
Replies: 22
Views: 2452

Re: Umbrella Insurance - Cautionary Tale

When does the duty to defend end is a complicated and state specific issue. Exactly when the duty ends varies and there are several theories in use. At least in my state, I can see a primary auto policy not providing ongoing an legal defense if the policy limits are small in relation to multiple in...
by jbmitt
Tue Jul 09, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Cautionary Tale
Replies: 22
Views: 2452

Re: Umbrella Insurance - Cautionary Tale

The underlying coverage has to make a reasonable attempt to settle for the policy limits and owes for the associated defense costs. A smart plaintiff attorney would keep everyone in, especially if the defendant has assets above the limits. It's a good cautionary story of why you need to be careful i...
by jbmitt
Mon Jun 24, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4572

Re: Favorite mountain lodge destinations in the west?

Take a look At Chico Hot Springs Resort, close enough to Yellowstone that doing day trips into the park is not too bad. I love the place. https://www.chicohotsprings.com/accommodations/historic-main-lodge/ Sage Lodge just opened and is adjacent to Chico Hot Springs. Paradise Valley is a nice option...
by jbmitt
Mon Jun 10, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance - Found out my Geico Umbrella is terrible
Replies: 2
Views: 1175

Re: Personal Umbrella Insurance - Found out my Geico Umbrella is terrible

IRMI is a respected resource, but most of the exclusions you mentioned are common. For example, punitive damages are often uninsurable. Most actions are brought in the US and unless you have a risks outside of the US it’s really a non issue. If you have watercraft in an underlying policy, you usuall...
by jbmitt
Sun Jun 09, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Notify insurance or not?
Replies: 22
Views: 2267

Re: Notify insurance or not?

It’s also pretty easy to have damage to the rear bumper impact beam and absorber beneath the plastic cover.

If it was me, I’d have the at fault company arrange and inspection. I’d only report it to my company if something unusual happened like the other drivers stories changing.
by jbmitt
Sun Jun 09, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - Signup Bonus Period
Replies: 7
Views: 1121

Re: Fidelity Credit Card - Signup Bonus Period

I received a promotion a couple weeks ago for spending during the months of June and July. When I went to register for the offer, I got a message indicating that I was already registered. After looking closer at the code to put into the site to register for the offer, I noticed it was the same numb...
by jbmitt
Fri May 31, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5356

Re: Working for the Airlines - Value of Free Travel

It’s not worth it. It’s hard enough for crew to commute to and from work. You’re better off purchasing ZED fares.
by jbmitt
Sun May 19, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1863

Re: Yellowstone Family Resort/Glamping Rec's

We've stayed at Sage Lodge a couple of times. We're locals, but Pray, MT is a quick drive into Gardiner and the Mammoth Hot Springs entrance. Chico Hot Springs is right next to it.
by jbmitt
Thu May 02, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Anyone ever used a water damage restoration company to help file insurance claim?
Replies: 22
Views: 1365

Re: Anyone ever used a water damage restoration company to help file insurance claim?

It’s ok to work with a contractor and your insurance. I’d caution against having the contractor make the claim or sign an assignment of benefits. Oftentimes that just allows the contractor to get fat and happy, screws over the policyholder, and pisses of the insurance who have little ability to help...
by jbmitt
Mon Apr 29, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best use of Chase Sapphire Preferred points?
Replies: 27
Views: 3080

Re: Best use of Chase Sapphire Preferred points?

We just used ours to book flights through the portal for our honeymoon. I’ve found that the Chase portal can sometimes offer better redemptions than via the airline’s own sites. It’s always worth checking at both to determine the most advantageous redemption. I also take advantage of the Chase Freed...
by jbmitt
Sun Apr 28, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6078

Re: Boglehead Pilots...advice

It's just my opinion, but I would imagine flying would get boring after the newness wears off. I mean - learning to fly would be fun because it's new information. Taking ground school, learning how to fly, first solo flight, etc. But how many trips around your town would you enjoy? After maybe 10-1...
by jbmitt
Sun Apr 21, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2609

Re: Montana / Wyoming Summer Trip Ideas

We live in Billings, MT and there is a noticeable increase in summer tourism, despite Billings being a bit away from the national parks. Near GNP I really like the town of Whitefish. We've had good luck with Airbnbs and really enjoy being in walking distance of town and the restaurants, bars, and sh...
by jbmitt
Tue Apr 16, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Payment for an auto accident claim (?)
Replies: 10
Views: 887

Re: Payment for an auto accident claim (?)

Many shops will hesitate doing partial repairs like you suggest. If they don’t fix all of the damages and scratches they may have problems with the paint adhering or they can’t guarantee their work. If you received a $1000 dollar check, you might be best asking what they can do for $500 and let them...
by jbmitt
Tue Apr 09, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Car Repairs - Make Insurance Claim or Self-Pay?
Replies: 22
Views: 1450

Re: Car Repairs - Make Insurance Claim or Self-Pay?

Review the estimate and what they wrote to replace and decide if you can live with the items damaged. I’d replace any damaged lights and glass. A dented hood may be unable to be repaired and still absorb an impact and function correctly in a crash and then may have been replaced. Fenders often get p...
by jbmitt
Tue Apr 02, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6078

Re: Boglehead Pilots...advice

I did my private training part 61, and I'm completing my instrument, commercial, and multi part 141. There is lots of good advice about obtaining your medical, taking your written exams, using the ASA Oral Exam Guides. I've had good luck using Sheppard Air for instrument on up test prep. They don't ...
by jbmitt
Mon Apr 01, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5389

Re: Family flying - picking seats at booking

Just be aware of lap children. Usually a mainline row of 3 seats has 4 emergency air masks. Some regional jets with rows of 2 seats only have extra air masks on one side. You’re not allowed to have more people in a row than air masks. If you have two children above the age of 2. I’d try to get 1 row...
by jbmitt
Sat Mar 30, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question—College Age Daughter
Replies: 8
Views: 690

Re: Tax Question—College Age Daughter

Be aware of RITA, it’s Ohio’s Regional Income Tax Authority covering many municipalities. It’s somewhat of a pain dealing with.
by jbmitt
Wed Mar 27, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: I suspect I may have equity in my car lease. Help?
Replies: 31
Views: 2174

Re: I suspect I may have equity in my car lease. Help?

I'm going to guess that you don't have as much equity as you believe. Just because you bought miles and didn't use them, it doesn't necessarily mean the car has equity. Mileage figures only have so much of an impact on the value of a vehicle. The miles in a lease are always going to be worth more to...
by jbmitt
Wed Mar 27, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Free dinner from an attorney
Replies: 32
Views: 3569

Re: Free dinner from an attorney

We are friends with some FPs at a local bank. They don't manage any of our money. They recently learned about low cost investing at Vanguard. I also mentioned Bogleheads to a clerk and one of the managers stuck his head out of his office and gave us a thumbs up. We had Thanksgiving dinner with anot...
by jbmitt
Tue Mar 19, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance -- Minor Accident
Replies: 22
Views: 1614

Re: Progressive Insurance -- Minor Accident

Progressive isn’t trying to prevent you from making a claim. Many people don’t have or don’t expect to pay their deductible for using their coverage. From an adjusters point of view they don’t want an open claim if you’re going to have the opposing insurer handle everything. From a reserving standpo...
by jbmitt
Fri Mar 15, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Letting umbrella insurance lapse
Replies: 30
Views: 2776

Re: Letting umbrella insurance lapse

The industry uses the term ‘adverse selection’ and typically tries to avoid issuing policies only to those who will need it. By cancelling and then renewing on your terms, they’re more likely to think, and others have mentioned, they have data to support that you’re more likely to then make a claim....
by jbmitt
Thu Mar 14, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Condo owner with no homeowner insurance
Replies: 7
Views: 1179

Re: Condo owner with no homeowner insurance

You have to establish negligence on the other condo unit for them to be responsible and to pay on your behalf. Unless they knew of the condition and didn’t do anything about it, they may not be negligent. Just because they’re uninsured, doesn’t mean they’re automatically at fault. For $500 bucks I’d...
by jbmitt
Thu Mar 14, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Replacing burned out headlight in 2012 Subaru Impreza
Replies: 12
Views: 720

Re: Replacing burned out headlight in 2012 Subaru Impreza

Once you find the correct bulbs you will discover the process to swap them is a pain. There isn’t enough access with the hood open. I ended up having to drop the bumper and fender liner to get enough clearance to access the light assembly.

Otherwise my 2012 Impreza has been pretty reliable.
by jbmitt
Thu Mar 14, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Fraction of insurance companies revenue goes to paying out claims?
Replies: 34
Views: 2646

Re: Fraction of insurance companies revenue goes to paying out claims?

You’re looking for their loss ratio and combined ratio data. Many insurers can tolerate a combined ratio (expenses and loss payments) in excess of 100 because of their investment income. It’s not a solid long term strategy, but the insurers I worked for recognized that it happens during periods of b...