Search found 226 matches

by 9liner
Mon Mar 08, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2513

Re: Peloton purchase inquiry

You will presumably pay with a credit card which protects you. Since you mentioned this, given two payment approaches (0% financing or use of a credit card), which would offer more protection in event of an issue? Thanks all for the info - the consensus seems that a Peloton bike can be a good exerc...
by 9liner
Sun Feb 28, 2021 8:13 pm
Forum: Personal Consumer Issues
Topic: Website that Purchases Smartphone
Replies: 10
Views: 744

Re: Website that Purchases Smartphone

I typically use swappa to sell my used electronic goods.
by 9liner
Sat Jan 16, 2021 1:59 pm
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3208

Re: Universal theme parks Orlando: premium experience

[Quoted post removed by moderator Flyer24]

Except the OP was asking for neither health nor financial advice. Stick to the topic.

OP: We are not theme park folks but have many friends who are. Based on their advice, the VIP experiences are the only way to go if money is not a factor.
by 9liner
Wed Jan 06, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17559

Re: Are plasma TV's gone forever?

I have two OLED TVs that I watch all the time, rather than my 72” LCD, whIcy seldom gets turned on. 55” and 65” OLEDs are, IMO, already affordable for people who value picture quality, but I just can’t get myself to pull the trigger on a 77” $10-15k TV. I have a nice 70" LCD. While I'd love to...
by 9liner
Mon Dec 21, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

Stay away from extenders. Your best bet is to purchase a mesh system such as Eero, Nest, or Orbi.
by 9liner
Thu Dec 17, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Compatible with Both AT&T and Verizon?
Replies: 16
Views: 623

Re: iPhone 12 Compatible with Both AT&T and Verizon?

I'm not sure about the hardware, but be aware that most phones are locked to the carrier you purchased it from. Check the carrier's unlocking policy for details. A friend says it's just a matter of changing the SIM card. ??? I feel like you're just trolling at this point. Honest I am not. Exactly w...
by 9liner
Thu Dec 17, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Compatible with Both AT&T and Verizon?
Replies: 16
Views: 623

Re: iPhone 12 Compatible with Both AT&T and Verizon?

Leesbro63 wrote: Thu Dec 17, 2020 4:13 pm
Afty wrote: Thu Dec 17, 2020 3:50 pm I'm not sure about the hardware, but be aware that most phones are locked to the carrier you purchased it from. Check the carrier's unlocking policy for details.
A friend says it's just a matter of changing the SIM card. ???
I feel like you're just trolling at this point.
by 9liner
Thu Dec 17, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Compatible with Both AT&T and Verizon?
Replies: 16
Views: 623

Re: iPhone 12 Compatible with Both AT&T and Verizon?

I'm not sure about the hardware, but be aware that most phones are locked to the carrier you purchased it from. Check the carrier's unlocking policy for details. So I'm back to my original question. Seriously. Call AT&T. Being "unlocked" and "compatible" are two different th...
by 9liner
Thu Dec 17, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10195
Views: 731333

Re: Refinance Mega Thread

Better.com is claiming that it’s impossible for LenderFi to waive appraisal and that once we go underwriting, it will be required. Is it possible for one lender to be able to waive appraisal and another can’t? Anyone run into that situation before. If two lenders are using the same parameters, then...
by 9liner
Thu Dec 17, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Compatible with Both AT&T and Verizon?
Replies: 16
Views: 623

Re: iPhone 12 Compatible with Both AT&T and Verizon?

A friend is thinking of switching he new iPhone 12 from AT&T to Verizon. Can he do that? Is the equipment compatible? At one time, there were different phones for each. Is that still the same today? This hasn't been the case for years now. https://www.apple.com/shop/iphone/carrier-overlay/compa...
by 9liner
Thu Dec 17, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 3012

Re: Color laser printer - worth it for intermittent light use?

I went through the same debate about a year ago. Ultimately decided on a multi-function color laser. I am a light user. So infrequent, that my ink would often dry up in my inkjet. Toner lasts indefinitely and the speed and quality is impressive.
by 9liner
Thu Dec 17, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10195
Views: 731333

Re: Refinance Mega Thread

Just refinanced with Better.com. 2.5% on 20-year loan locked on 11/5. Loan Amount $352,862. Was previously at 3.0% for a 30-year 29 years left. A. $0.00 B. $1579.00 C. $0.00 D. $1579 E. $100.00 F. $2273.51 G.$1218.96 H. $0.00 I. $3592.47 J. $3206.47 Lender credits equaled $1965.00. Essentially pocke...
by 9liner
Thu Dec 17, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3104

Re: Apple Macbook Air 2020 discounted

Just got the new 2020 MBP M1. It. Is. Amazing. Super fast. Great design. I love the controversial touch bar. I don't have to take the charger with me to work, just charge it overnight and it's good to go all day. Go with the M1, you won't be disappointed. I am not sure I like the touch recognition....
by 9liner
Thu Dec 17, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Compatible with Both AT&T and Verizon?
Replies: 16
Views: 623

Re: iPhone 12 Compatible with Both AT&T and Verizon?

A friend is thinking of switching he new iPhone 12 from AT&T to Verizon. Can he do that? Is the equipment compatible? At one time, there were different phones for each. Is that still the same today? This hasn't been the case for years now. https://www.apple.com/shop/iphone/carrier-overlay/compa...
by 9liner
Mon Dec 07, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Military GI Bill-Related Question
Replies: 7
Views: 580

Re: Military GI Bill-Related Question

I’m confused. Are you asking about eligibility for GI Bill or about eligibility for Tricare? The two are mutually exclusive.
by 9liner
Thu Dec 03, 2020 7:40 pm
Forum: Personal Investments
Topic: Roth 457 vs Roth 401k
Replies: 15
Views: 793

Re: Roth 457 vs Roth 401k

I was not aware of the withdrawal rules for a Roth 457 before 59.5 with regards to earnings.

Does holding onto a Roth 457 from a previous employer prove any more advantageous than just rolling it over to my ROTH IRA at VG? Let’s assume all other aspects are equal (ERs, fees, etc..).
by 9liner
Sat Nov 28, 2020 8:04 pm
Forum: Personal Investments
Topic: Where do you keep cash for future car purchases?
Replies: 34
Views: 3096

Re: Where do you keep cash for future car purchases?

We keep most of our moderate-term (2+ year horizon) money in our taxable brokerage account. The monies are split between VTMFX and VTSAX. Most on this forum will probably advocate for a high-yield savings account.
by 9liner
Mon Nov 16, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Mold and/or septic inspection on home purchase (UPDATE: CESSPOOL)
Replies: 28
Views: 2112

Re: Mold and/or septic inspection on home purchase

Best money I’ve ever spent when purchasing a house was on a septic inspection. I spent the extra for a camera inspection of the lines as well. Turned out the only thing that wasn’t in failure mode was the tank (even that was full). The seller had to replace all the lines from the house to the tank, ...
by 9liner
Tue Oct 27, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: What medical cards do you need to carry around in your wallet?
Replies: 56
Views: 15250

Re: What medical cards do you need to carry around in your wallet?

Does not having your insurance card change the care you would receive? For example if I were in a car accident and in a coma, would the ambulance driver choose to drive me to a different hospital if he sees the ideal medical destination was out of my 'network'? I carry no insurance cards with me cu...
by 9liner
Sun Oct 18, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Should I get a ping pong table?
Replies: 75
Views: 3857

Re: Should I get a ping pong table?

Will you use it? That’s a question only you can answer.
by 9liner
Sat Oct 17, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: Verizon Fios internet
Replies: 28
Views: 2497

Re: Verizon Fios internet

https://www.techlicious.com/tip/how-to-use-your-own-router-for-verizon-fios/ I haven’t rented a FiOS router in over 10 years. Chances are that you are currently using a coaxial cable from your FiOS box outside, which then runs inside and hooks up to your Verizon router. You need to call Verizon FiO...
by 9liner
Fri Oct 16, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Verizon Fios internet
Replies: 28
Views: 2497

Re: Verizon Fios internet

https://www.techlicious.com/tip/how-to- ... izon-fios/

I haven’t rented a FiOS router in over 10 years.
by 9liner
Wed Oct 14, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: BISSELL Spinwave Powered Hardwood Floor Mop and Cleaner?
Replies: 6
Views: 482

Re: BISSELL Spinwave Powered Hardwood Floor Mop and Cleaner?

Just purchased this from Costco for our floors. Many people swear by them. I was impressed with the results from the first cleaning.

https://www.costco.com/bissell-crosswav ... 79211.html
by 9liner
Tue Oct 06, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Repairs
Replies: 7
Views: 827

Re: Rental Repairs

It may be obvious, but was there an actual determination that the damage was the result of the tenant’s negligence? The language in the lease isn’t particularly clear how such a determination is made. By mutual agreement? By the landlord? By a court? Etc... The tenants left a burn barrel unattended...
by 9liner
Tue Oct 06, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Repairs
Replies: 7
Views: 827

Rental Repairs

I own a SFH rental property and the tenants recently submitted their 30-day notice that they are vacating. Approximately 6 months ago, through negligence on the tenant's part, there was an unattended fire outside which spread and ended up causing damage to the soffit, flashing, and gutters. I have s...
by 9liner
Sun Sep 27, 2020 6:10 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1422

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

Why don’t you initiate the transfer through whatever company handles your 401k?
by 9liner
Wed Sep 16, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 806

Re: Invoice pricing on commercial truck?

anyone know where I can find invoice pricing on Isuzu NPR trucks? invoice doesn't matter it helps.. Not necessarily. 15 years ago, yes. I suggest you look at James Bragg's website Fighting Chance . He explains how invoice pricing and dealer holdback is slowly becoming a myth. https://fightingchance...
by 9liner
Sat Sep 12, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve customer service phone number
Replies: 7
Views: 626

Re: Chase Sapphire Reserve customer service phone number

Just be glad you can actually get through to a human being. A consequence of COVID, many businesses have severely curtailed, if not done away with, human interaction in favor of email or chat.
by 9liner
Wed Aug 19, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can anything beneficial be done with this mortgage situation?
Replies: 19
Views: 1078

Re: Can anything beneficial be done with this mortgage situation?

Refinance? I would think even a sub-prime borrower can beat that rate in today’s environment.
by 9liner
Thu Jul 02, 2020 6:16 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8160

Re: does anyone have a subscription to youtube tv?

Having tried every streaming service out there with the exception of Fubo, I can say that YTTV works well for us. It has an easy to navigate interface and does not impose zip code restrictions which is useful for when I travel. Given the recent price hike, I did a thorough analysis on switching back...
by 9liner
Sun Jun 28, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Norton 360 and Macbook
Replies: 12
Views: 638

Re: Norton 360 and Macbook

1. I’ve been a Mac user for over 15 years and have never used any type of anti-virus program and have yet to suffer any negative consequences. 2. In reference to Windows PCs: Windows defender has become robust to the point that most of the recent articles I’ve read state that third-party anti-virus ...
by 9liner
Mon Jun 22, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate closing - what time of day of closing does ownership transfer?
Replies: 31
Views: 1740

Re: Real estate closing - what time of day of closing does ownership transfer?

If I'm the buyer, I want all of your stuff, particularly high-value items, out of the house the moment the docs are signed and deed is transferred. I would not want any liability issues to arise between the completion of closing and when YOU decide to pick up your stuff. Suppose something happens on...
by 9liner
Wed May 06, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4754

Re: 2020 travel plans

Was able to score 2 round trip, non-stop tickets to Savannah from Baltimore for a grand total of $120 the first week in October. We’re planning a 4-day, 3-night stay at a VRBO with another couple.
by 9liner
Sun May 03, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Lawn mower recommendation
Replies: 91
Views: 6384

Re: Lawnmower recommendation

I have a 12" Honda and a 30" Toro. My Honda (7 years old) has given me nothing but issues. There is a known problem with the auto-choke system. I've had to replace it twice along with a carburetor. Hondas are typically rated highest in terms of cut quality and reliability. Unfortunately, I...
by 9liner
Fri May 01, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 35241

Re: Coronavirus Flight Cancel Thread

I just wanted to apprise everyone of my situation. DW and I booked non-stop flights from Maryland to California on February 24th for travel on May 16th. The flights were booked through the Chase UR portal on United Airlines and paid for entirely with points. On March 22nd, we received notification f...
by 9liner
Wed Apr 29, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: 20 AMP Plugs
Replies: 31
Views: 2242

Re: 20 AMP Plugs

Heavy draw appliances may be equipped with a 20 amp plug.
by 9liner
Sat Apr 11, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Stylus recommendation for ipad
Replies: 2
Views: 185

Re: Stylus recommendation for ipad

Based on your requirements, the Apple Pencil is your best option. As a previous poster stated, however, this is entirely dependent upon which iPad version you own as it is not compatible with all iPad iterations.
by 9liner
Thu Apr 09, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3254

Re: Laptop buying advice

Never pay for RAM or storage upgrades through the original vendor. RAM and SSD storage are so cheap and easy to install. You're best bet is to by a laptop that does not have the RAM or storage soldered to the motherboard (think Apple) and do the upgrade yourself. The OEM markup on RAM and storage is...
by 9liner
Thu Apr 09, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth asking car insurer to decrease premium during pandemic?
Replies: 32
Views: 1690

Re: Is it worth asking car insurer to decrease premium during pandemic?

I received the following email from GEICO today: "As part of GEICO's ongoing efforts to assist customers during this unprecedented time, we are announcing The GEICO Giveback which provides a 15 percent credit to all auto and motorcycle customers as policies come up for renewal, between April 8,...
by 9liner
Sat Mar 14, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Suggestions for top notch router?
Replies: 56
Views: 2285

Re: Suggestions for top notch router?

Can’t speak more highly of our Netgear Orbi mesh WiFi system. It’s been flawless for about 2 years. I recently installed an Orbi Pro system for our office and it has been top notch as well. Regardless of what brand you decide to purchase, I would highly recommend going with a mesh system.
by 9liner
Thu Feb 06, 2020 5:43 pm
Forum: Personal Investments
Topic: Moving Emergency Fund to VMMX. Question...
Replies: 2
Views: 353

Re: Moving Emergency Fund to VMMX. Question...

So, I decided to move my emergency fund over to VMMXX. I had $3300 in one amount, and about $12k in another. I transferred the $3300 over to my Vanguard account not thinking about contribution limits... So I put it in and bought VMMXX with it... My question is, should I just sell that $3300 and buy...
by 9liner
Fri Jan 10, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: phone scam
Replies: 30
Views: 2902

Re: phone scam

Jack FFR1846 wrote: Fri Jan 10, 2020 2:39 pm We have Verizon Fios. There's nothing plugged into our telephone jack. No scammers ever!
Apples and oranges. You’re talking about a landline. The OP received the call on their cell phone.
by 9liner
Fri Jan 10, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6509

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

When we purchased our home 14 months ago, I went back-and-forth trying to decide whether to pay the extra $200 for a camera inspection (on top of the normal visual inspection) of our septic system. It was some of the best money I've ever spent. The inspection basically determined that the septic sys...
by 9liner
Sun Jan 05, 2020 11:57 am
Forum: Personal Investments
Topic: Vanguard is worrying me
Replies: 70
Views: 9592

Re: Vanguard is worrying me

I have been with Vanguard for 27 years. Just open 4 accounts with Fidelity. Plan on keeping my old money in Vanguard but all new money will go to Fidelity. What does this accomplish if you’re not moving your money currently at VG to Fidelity? You would still have to deal with VG customer service an...
by 9liner
Sun Dec 29, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 30
Views: 4195

Re: Visible wireless. Any experience?

Be prepared for horrendous customer service in terms of wait times. We had an issue porting our number and didn’t hear back from anybody for over 2 days. A recent support session yielded an approximate 58 minute wait time. These issues, coupled with what I would call “degraded” service (Data speeds ...
by 9liner
Thu Dec 26, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office Home Use: Transferring Free Subscription to New Hard Drive
Replies: 6
Views: 628

Re: Microsoft Office Home Use: Transferring Free Subscription to New Hard Drive

I have always just downloaded a fresh copy or installed a fresh copy from a CD, entered in the Product Key on the box and away I go. I don't like trying to copy all the actual files from a previous hard drive because it is darn near impossible to get all the files needed from their various location...
by 9liner
Thu Dec 26, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9747

Re: Goodbye USAA

It baffles me how many people blindly remain with companies out of loyalty; particularly insurance companies. I routinely shop for all of my insurance policies. USAA has not been able to touch GEICO for auto or any of the companies I have used for homeowners. They are almost always double the price....