Search found 2017 matches

by neilpilot
Sun Nov 11, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17487

Re: Don't pay full price for SiriusXM radio

Pandora is better, more mobile, and free. Free even if you pay for mobile data? I prefer the lower overall cost of my current free cell phone plan with limited "free" data, plus the $5/mo I pay for SiriusXM. Unlimited data You pay for unlimited data, I pay much less for XM Good for you. I have unli...
by neilpilot
Sun Nov 11, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17487

Re: Don't pay full price for SiriusXM radio

Bacchus01 wrote:
Sat Nov 10, 2018 11:03 pm
neilpilot wrote:
Sat Nov 10, 2018 10:36 am
Bacchus01 wrote:
Sat Nov 10, 2018 10:04 am
Pandora is better, more mobile, and free.
Free even if you pay for mobile data? I prefer the lower overall cost of my current free cell phone plan with limited "free" data, plus the $5/mo I pay for SiriusXM.
Unlimited data
You pay for unlimited data, I pay much less for XM
by neilpilot
Sat Nov 10, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3418

Re: Seeking Advice - Emergency Preparedness

It was only during Hurricane Sandy that I realized that my natural gas water heater also needed electricity to run. As does the furance. :oops: Yup. Both they both only need 120 volt power, and the smallest generator out there can power either of those appliances. Of course not all NG water heaters...
by neilpilot
Sat Nov 10, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17487

Re: Don't pay full price for SiriusXM radio

Pandora is better, more mobile, and free. Free even if you pay for mobile data? I prefer the lower overall cost of my current free cell phone plan with limited "free" data, plus the $5/mo I pay for SiriusXM. What's your free cell phone plan? We pay about $5.50/mo ("free plus tax & fees) for 2 lines...
by neilpilot
Sat Nov 10, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17487

Re: Don't pay full price for SiriusXM radio

Bacchus01 wrote:
Sat Nov 10, 2018 10:04 am
Pandora is better, more mobile, and free.
Free even if you pay for mobile data? I prefer the lower overall cost of my current free cell phone plan with limited "free" data, plus the $5/mo I pay for SiriusXM.
by neilpilot
Sat Nov 10, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 567

Re: Medicare part D- Wellcare

Both my DW and I are changing to WellCare Value Script in 2019 based on lowest overall cost for each of us. I take 5 maintenance drugs, and she takes none.Will re-evaluate this time next year for 2020. When I asked my pharmacist about WellCare they said customers currently using them have experience...
by neilpilot
Fri Nov 09, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5021

Re: Doing taxes by hand

Find a friend or two or three... who can split the cost with you. Buy the cd version... All you need the the software to download. Cheap trick of mine. A cheap trick that unfortunately almost certainly violates the software license you have agreed to. That could mean your suggestion is contrary to ...
by neilpilot
Thu Nov 08, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10987

Re: Favorite "free stuff"?

Our "free" Xfinity cell phone service. Sure I pay taxes and fees, which amounts to about under $6/mo for our 2 lines. But the actual service, which includes unlimited voice & text and a small but adequate amount of data, has been free for the past year. Our smart phones weren't free, however. They d...
by neilpilot
Mon Nov 05, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20788

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

OK, people keep mentioning "free efile." I'm used to paper and pencil, comfortable with paper and pencil, not a complicated return. I wouldn't mind using a program to back me up, but would prefer to keep mailing the paper. Can I do that with this software? I buy it, download it, run it and then pri...
by neilpilot
Sun Nov 04, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4921

Re: Beer - Strong German Style Lagers

Last year I was lucky enough to go to Munich during Oktoberfest. I'm familiar with import German beer, but the stuff over there is obviously fresher. I really really enjoyed the various lagers brewed in Munich - most especially Augustiner Edelstoff. Clear, clean and strong. I just came across this ...
by neilpilot
Sat Nov 03, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3481

Re: Please help me with my car decision

Sleepydoc99 wrote:
Sat Nov 03, 2018 7:25 am
Our nanny only uses our car occasionally. Less than once every three months. She has her own vehicle that can seat five.

Also, we have bought all of our cars used. The most expensive of which is my wife’s car which was still less than 40k...
You don't need a 4th car.
by neilpilot
Fri Nov 02, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5364

Re: People with older car, share your unusual repairs

Unusual repairs for old cars. Way back when I had a 1972 Oldsmobile 442 convertible. Wonderful fun car but was constantly braking. One day I am driving and suddenly hot water and cooling fluid starts running out of the dash on my feet. It is so bad I cannot put on the brakes or gas without getting ...
by neilpilot
Wed Oct 31, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2194

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

In May I was car shopping and decided to look at a Subaru Outback. The dealer's website offered a $50 VISA gift card for a test drive, and since I was going there anyway I signed up. I gave the paperwork to the salesman and followed up twice with the dealer. but I never received that gift card. Whi...
by neilpilot
Wed Oct 31, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2194

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

In May I was car shopping and decided to look at a Subaru Outback. The dealer's website offered a $50 VISA gift card for a test drive, and since I was going there anyway I signed up. I gave the paperwork to the salesman and followed up twice with the dealer. but I never received that gift card. Whil...
by neilpilot
Mon Oct 29, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5364

Re: People with older car, share your unusual repairs

One repair that seems to be catching a lot of people is TPMS sensor repairs. Both of my kids have cars with TPMS issues that have defied resolution by simply replacing the wheel sensor. Those systems are great, until they're not. :oops: Many (maybe all) TPMS sensors have batteries that only are exp...
by neilpilot
Sun Oct 28, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Shower Door Does Not Close Properly
Replies: 13
Views: 910

Re: Shower Door Does Not Close Properly

Depending on the shower door, there are several adjustments you could make. First check the screws are all still tight, then look on YouTube for your type of shower door. You could possibly shim the bottom hinge. If it used to close fine, then something has changed and it is not the rubber bottom. ...
by neilpilot
Sun Oct 28, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2560

Re: Buying an investment condo in Panama City Beach

We ran some numbers last night and it will be difficult to beat my earnings from the current brick home I rent out. Even if I rented a one bedroom condo out and it produced 30k in rental income, the expenses would knock this down to close to the current earnings on the brick home. We are going to t...
by neilpilot
Sun Oct 28, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Shower Door Does Not Close Properly
Replies: 13
Views: 910

Re: Shower Door Does Not Close Properly

most shower doors have a flexible and easily replaceable seal along the bottom channel. Does yours? Is that seal the cause of the interference?
by neilpilot
Fri Oct 26, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2560

Re: Buying an investment condo in Panama City Beach

We would we staying in it for the months of January and February. Those are the low rent months so no big deal there. We would be open to renting it the rest of the year. As I understand the IRS rules, if you stay in the condo for more than 2 weeks a year it's considered your personal residence tha...
by neilpilot
Thu Oct 25, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1594

Re: Net worth compared to Medicare earnings

Well Medicare earnings is what the Soc Sec statement calls it but yes, gross wages is the equivalent. My NW is high. My gross earnings are high(er). I guess I was surprised to see that my NW wasn't as high as my gross earnings would have suggested. Doesn't seem others are too interested in this so ...
by neilpilot
Thu Oct 25, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1460
Views: 238704

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Last year, we transferred our Roth IRAs fully from Scottrade to TD Ameritrade before their merger. I also planned an account transfer from Scottrade to TDA after the merger was announced but before it actually occurred. When I mentioned it to my Scottrade office manager, he initiated a generous ret...
by neilpilot
Thu Oct 25, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: No increase in LTC Insurance Premiums again this year
Replies: 9
Views: 1151

Re: No increase in LTC Insurance Premiums again this year

Depends on the state I believe, I had a large increase last yr, it had to be approved by the state, now they can't ask the state for another increase for 4 yrs. Tennessee. Other states may be different of course. Also very much dependent on the policy....I'm also in TN, and my DW and I have the sam...
by neilpilot
Thu Oct 25, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1594

Re: Net worth compared to Medicare earnings

Well Medicare earnings is what the Soc Sec statement calls it but yes, gross wages is the equivalent. My NW is high. My gross earnings are high(er). I guess I was surprised to see that my NW wasn't as high as my gross earnings would have suggested. Doesn't seem others are too interested in this so ...
by neilpilot
Thu Oct 25, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 5720

Re: "consultation fee": standard for preventative colonoscopy?

Here's another data point....3 weeks ago I had a colonoscopy and upper GI scope. The Dr required a consulting visit prior to the procedures, even though they share data with my GP and did the procedures 6 years prior. They billed $364 for the consult visit, but Medicare approved $124. I'm on the hoo...
by neilpilot
Thu Oct 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5744

Re: Keep a backup hot water heater?

I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before it pops. Actually the longer warranty unit is typically identical EXCEPT it has either 2 an...
by neilpilot
Thu Oct 11, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5744

Re: Keep a backup hot water heater?

I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before it pops. Actually the longer warranty unit is typically identical EXCEPT it has either 2 an...
by neilpilot
Thu Oct 11, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5744

Re: Keep a backup hot water heater?

I'm struggling with this as well. Water Heater is 14 years old Never had an issue with it Never have done anything to it This isn't good; i.e. your anode(s) protecting the tank from corrosion is likely gone In the next room over(Basement) is my home theater that I'd rather not ruin I'm not worried ...
by neilpilot
Wed Oct 10, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5744

Re: Keep a backup hot water heater?

My hot water heaters (2-40 gallon) are approaching 15 years old. ........ I plan to install it myself and this would save me a trip to the Home Depot during a morning family crisis (I can imagine it now). ... First off, I can't see crisis since you have 2 water heaters when one does fail you will s...
by neilpilot
Mon Oct 08, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5690

Re: Geico umbrella us dropping me. What can I do?

Dropping insureds happens. Personally I would enjoy more loyalty, but that's not how it works. I'm fairly certain you will need to move all policies to another insurer to get umbrella coverage. Incorrect.....I have auto+umbrella thru GEICO, and home thru Farmers. Also, as previously mentioned, GEIC...
by neilpilot
Mon Oct 08, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5690

Re: Geico umbrella us dropping me. What can I do?

I didn't need a CLUE report to know that there was a claim on file for a car that I had sold 4 days prior, but I ordered the report so that I could add a comment to the file against a claim that wasn't legit. Even though I retained my plates and transferred insurance to a replacement car, a driver a...
by neilpilot
Mon Oct 08, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 185
Views: 37806

Re: GEICO auto rates vs. USAA: too good to be true?

As a really old time policy holder, I can't imagine that GEICO or any other company will be lower than USAA for me, taking into account the various policies and annual disbursements I get from them. If by that you mean that USAA is charging you less because you've been with them for a long time, th...
by neilpilot
Thu Oct 04, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2210

Re: AARP UnitedHealthCare Plan G

I compared the cost of the premium for my current plan F vs. plan G for me in Oregon on the AARP web site and plan F was cheaper!! I don't know why except that I have been with Plan F for many years and maybe that gives me a deduction of some kind. If I was a first-timer (newcomer), then plan G wou...
by neilpilot
Thu Oct 04, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Class Action Lawsuit..... Should I Join ?
Replies: 18
Views: 2482

Re: Tesla Class Action Lawsuit..... Should I Join ?

1) Your "loss" is $3,389.13, ...... 5) Lawyers pull 30% out of the settlement pool for costs etc.; your potential recovery now - $875 Not likely - more like a $50 off coupon for your next purchase of a Tesla vehicle. DJ - are you speaking from experience? I've only participated in one investor rela...
by neilpilot
Thu Oct 04, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2210

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I s...
by neilpilot
Thu Oct 04, 2018 4:07 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2210

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I se...
by neilpilot
Wed Oct 03, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Cruise deals?
Replies: 47
Views: 3338

Re: Cruise deals?

On two different Bermuda cruises, after booking - close to the departure dates - we were upgraded to a better cabin at no charge. My opinion is that it makes little sense to pay more for cabins on todays ships. A last minute upgrade is often given to those who overpaid for their initial accommodati...
by neilpilot
Mon Oct 01, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6232

Re: How to tell contractor you don't plan to pay him.

I challenge the OP to actually find evidence that a shingle manufacturer has ever paid a meaningful warranty payment. I have a good friend who is with one of the top 2 roofing manufacturers and he says that their warranty is simply good marketing, since claims are as rare as unicorns. Some online re...
by neilpilot
Mon Oct 01, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5690

Re: Geico umbrella us dropping me. What can I do?

Years ago, GEICO refused to give us homeowners insurance because they thought our roof was too old. We did eventually have the roof replaced 10 years after that, but just because we were getting a few curling shingles, not because of damage or leaks. I don't even check GEICO anymore for insurance. ...
by neilpilot
Sun Sep 30, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5690

Re: Geico umbrella us dropping me. What can I do?

Years ago, GEICO refused to give us homeowners insurance because they thought our roof was too old. We did eventually have the roof replaced 10 years after that, but just because we were getting a few curling shingles, not because of damage or leaks. I don't even check GEICO anymore for insurance. ...
by neilpilot
Wed Sep 26, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6358

Re: Oil change interval for low-mileage vehicles

I drive only 1000 miles a year in my Toyota Tacoma, and the manual says to change at 5000 miles or six months. If I drove as much as you I'd change it every six months. I change mine yearly because changing the oil at 500 miles just seems absurd. FWIW, the oil looks pristine at 9000 miles. I have h...
by neilpilot
Wed Sep 26, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6358

Re: Oil change interval for low-mileage vehicles

Personally, I'm a fan of replacing filter (and topping off oil) at 6 months and oil at 1 year (with a high quality synthetic) for my low milage cars. While I'd stick to an annual oil and filter change every year, if I wanted to cut back I would pick the opposite tact, i.e. changing the oil at 6 & 1...
by neilpilot
Tue Sep 25, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118893

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So, 350,000 CRVs recalled in China and now 290,000 Civics apparently for the same oil dilution issue. I can't help but wonder why that isn't happening here in the U.S. Are we just stupid, is the Chinese government simply more aggressive in dealing with car makers, or what? When have you ever seen a...
by neilpilot
Tue Sep 25, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2431

Re: Flu shot reaction? Getting flu shot this year?

There is a flu vaccine (quadrivalent vaccine) that offers more protection. It is costlier than the single vaccine flu shot. It was $75 at Publix, single vaccine was $25. However, all the info I see says that it is a Medicare approved vaccine, and would be covered. I contacted my insurance, and they...
by neilpilot
Tue Sep 25, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2431

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu. Never reacted, get yearly. Incorrect.....the shot protects from strains selected based on past outbreaks. A strain not covered from the flu shot can occur. Just last year was a classic example, with the...
by neilpilot
Tue Sep 25, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2431

Re: Flu shot reaction? Getting flu shot this year?

I got mild Guillain-Barre from my first (and last) flu shot. My neurologist said to never get a whole list of vaccinations, and that if I did, each reaction would be worse. 17 years ago I also had Guillain-Barre symptoms, with temporary paralysis on the shot side of my body (arm and leg). The neuro...
by neilpilot
Tue Sep 25, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2431

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu. Never reacted, get yearly. Incorrect.....the shot protects from strains selected based on past outbreaks. A strain not covered from the flu shot can occur. Just last year was a classic example, with the...
by neilpilot
Tue Sep 25, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Out of warranty repair for a Braun toothbrush?
Replies: 17
Views: 681

Re: Out of warranty repair for a Braun toothbrush?

Also, a new electric Braun toothbrush should cost $30-70. The ones that are $100+ don't brush any better but are full of extra gimmicks like screens to show you smiley faces when you brush and bluetooth integration for your phone (seriously). Cheapest Braun one I've seen is $80.. Maybe I am not sea...
by neilpilot
Tue Sep 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6358

Re: Oil change interval for low-mileage vehicles

Oil testing, if done regularly, can give you important information on the health of your engine. However a single test isn't very useful, since you need to follow trending. However, it makes absolutely no sense to pay for an oil test simply to justify reducing your oil change frequency. My cost of a...
by neilpilot
Tue Sep 25, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2476

Re: Car predicament

Hello Bogleheads, A family member brought this up to me. He has a Kia Forte 2012 with a blown engine. Doing some quick research this car has had issues along with other Kia models with the same engine. It should have been recalled but wasn't. A "blown engine", whatever that is, doesn't sound like a...
by neilpilot
Mon Sep 24, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118893

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

If someone can come up with a cheap circulation system that separates gas from motor oil safely instead of heat and evaporate, that would be nice. Imagine just plug it in to clean up diluted oil after driving, put the extracted gas back into the tank to save more if possible. Problem solved... :) I...