Search found 93 matches

by fast_and_curious
Fri Mar 05, 2021 3:03 pm
Forum: Personal Consumer Issues
Topic: Who's responsible for lost shipment?
Replies: 33
Views: 1802

Re: Who's responsible for lost shipment?

OP here. The item is not critical to life, but it is critical to avoiding inconvenience. It's a replacement part for a garage door opener, so without it, the garage door must be opened and closed manually, and can't be locked, at least not unless you count my current "lock" of a set of vic...
by fast_and_curious
Thu Mar 04, 2021 6:15 pm
Forum: Personal Consumer Issues
Topic: Who's responsible for lost shipment?
Replies: 33
Views: 1802

Who's responsible for lost shipment?

I ordered an online purchase about 2 weeks ago, for delivery via USPS (first class package service). The item appears to have been lost; the last update on the USPS tracking site is from more than a week ago, on the other side of the country. I have opened a claim with the USPS but they have not yet...
by fast_and_curious
Sat Feb 20, 2021 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Check Equifax security freeze...
Replies: 11
Views: 935

Check Equifax security freeze...

Just a PSA - I had unfrozen my credit report at all three big bureaus (Experian, Equifax, TransUnion) for a few days back in November. I needed to unfreeze for a few days again now, so I logged back into all three to temporarily lift the freeze again. Experian and TransUnion were fine. But on the Eq...
by fast_and_curious
Wed Dec 09, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Cartalk Vehicle Donation Program
Replies: 12
Views: 1042

Re: Cartalk Vehicle Donation Program

We donated a car last year to our local NPR station; my wife was the legal owner on the title. The immediate transaction went smoothly, as others have described here. However, about 6 weeks after they picked up the car, we were contacted by a state DMV inspector. Apparently after the car was sold at...
by fast_and_curious
Tue Sep 22, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1847

How does brand new credit card get compromised?

After a pretty long - for us, anyway - string of a couple years with no credit card compromises, Citi alerted us to some fraudulent charges last week. Card shut down, they sent us a new one, no big deal, pretty standard stuff. Yesterday I activated the new cards online. My wife used the card once th...
by fast_and_curious
Mon Aug 31, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Excess Social Security withholding due to more than one employer for the tax year?
Replies: 8
Views: 435

Re: Anyone have experience with Excess Social Security withholding due to more than one employer for the tax year?

Due to changing employers this year, I've reached the annual social security tax cap, but my new employer is still withholding the tax from my paycheck. Does anyone have any experience with this? How did you handle it? One suggestion I've seen is to have my new employer pause withholding the SS tax...
by fast_and_curious
Thu Aug 27, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 114
Views: 8138

Re: Costs to own a plane

I've owned a plane for almost 20 years now. Certainly the overall costs are nothing to sneeze at, but our family really likes travelling, and I love to fly, so for us we view it as an alternative to owning a vacation home. Expenses will vary a lot based on type and age of aircraft and engine, locati...
by fast_and_curious
Sat Aug 15, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Nobody home at BofA?
Replies: 27
Views: 2236

Re: Nobody home at BofA?

Even better, you might find it faster/easier/more convenient to use the interface in your BoA online banking site to set up the appointment. My impression is that they do not have any BoA accounts yet and went to Merrill Edge outside of BoA channels. OP here - that's right, I opened the Merrill Edg...
by fast_and_curious
Sat Aug 15, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Nobody home at BofA?
Replies: 27
Views: 2236

Nobody home at BofA?

So about 2 1/2 months ago I opened a Merrill Edge account and funded it sufficiently for Preferred Rewards. Now that it's almost 3 months later, I tried to open a BofA checking account online Thursday evening. In what is probably my mistake, I unfroze my credit reports only about 30 minutes prior to...
by fast_and_curious
Tue Aug 11, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Insurance quote shenanigans
Replies: 38
Views: 2281

Re: Insurance quote shenanigans

That aside, I have encountered many rate differentials (I'm being kind) that come up later if you decide to purchase. I just shopped around with many companies last month because of my newly licensed 16 year old daughter. I generally shop around - sometimes more extensively (i.e. with more companie...
by fast_and_curious
Wed Mar 18, 2020 4:09 pm
Forum: Personal Investments
Topic: "Why do you want to cancel?" - Vanguard
Replies: 10
Views: 2885

"Why do you want to cancel?" - Vanguard

So I made what in the grand scheme of things is a small mistake, but the response from Vanguard was surprising. Curious if I'm missing something. I did my 2019 taxes on Saturday morning, and ended up owing a few thousand dollars. Since most of the reason for the extra taxes was from my Vanguard 1099...
by fast_and_curious
Sat Dec 21, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic Wallets for Teenagers
Replies: 16
Views: 1373

Re: Electronic Wallets for Teenagers

My kids had teen checking accounts at Wells Fargo along with the ATM/debit card that comes with that. Of course, Apple Pay, Venmo, Zelle didn't exist a few years ago. They just did everything with their debit/ATM card. I suppose they used cash rarely. They certainly didn't get their allowances in c...
by fast_and_curious
Sat Dec 21, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Electronic Wallets for Teenagers
Replies: 16
Views: 1373

Electronic Wallets for Teenagers

Happy Holidays to all and thanks as always for the very valuable information I always glean from the members on this site! My 15 year old daughter has been using Apple Pay to pay/receive relatively small amount of money for things like babysitting, dog walking, splitting a restaurant bill with frien...
by fast_and_curious
Sat Dec 21, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 16
Views: 1266

Re: Synchrony Bank (as credit card issuer)?

OP here. I am about _this close_ to cancelling this credit card account, but just thought I'd describe my latest issue with Synchrony Bank / Sam's Club Mastercard. Mainly as therapy to get it off my chest :wink: but also for other Bogleheads considering this card to learn from my experience. Over th...
by fast_and_curious
Tue Nov 26, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 6259

Re: Honda Lane keep assist

Of course each driver will form his or her own opinions on these features, but for me personally, having purchased a new Honda earlier this year (my first experience with any of these types of new safety technologies), I find the adaptive cruise control to be very useful, and use it on almost any dr...
by fast_and_curious
Thu Nov 14, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 16
Views: 1266

Synchrony Bank (as credit card issuer)?

Now that our trusty Uber Visa is getting benefits reduced (see https://www.bogleheads.org/forum/viewtopic.php?t=293641 ), we decided to get a Sam's Club Mastercard (as mentioned in the other thread, it has 5% cash back for gas, 3% on dining, no foreign transaction fee, and is chip & pin (I think...
by fast_and_curious
Fri Nov 01, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94427

Re: Flaunt Your High-Mileage Car

Earlier this year, my 2005 Acura TL with 263,000 miles died. Up until that time, other than replacing the starter and a power door lock actuator, only routine maintenance was required and everything worked great. Amusingly enough, it was a 6 speed manual transmission, so even when the starter went o...
by fast_and_curious
Tue Oct 29, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 17242

Re: Uber VISA rewards cut

I also got the same email about the benefits & rewards cuts to the Uber card. We used this card for the following reasons: High cash back (4%) on dining. No foreign transaction fee Chip & PIN (which has come in handy at some European self-serve gas stations and train ticket kiosks). No annua...
by fast_and_curious
Tue Oct 22, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207039

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

"Anyway, I had an oil analysis done by Blackstone at my first oil change a month or so ago, specifically looking for fuel dilution." Were there any metals or wear items of significance in your oil tests? There were higher than average metals & silicon in the oil analysis - here are th...
by fast_and_curious
Mon Oct 21, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207039

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

FWIW, I purchased a 2019 Honda Accord with the 1.5T engine in May - same one as being discussed here for the CRV. At the time of my purchase, I was not aware of the oil dilution issue, despite being a frequent bogleheads reader. Perhaps I had come across this thread but thought the issue was specifi...
by fast_and_curious
Sat May 25, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2802

Re: Grad school financing - hard sciences

OP again, and thanks for all the recent responses. If I may ask a follow-up of the group: many of the posters here seem to equate getting a STEM PhD with the intention to pursue a job in academia. Again, thinking back to my grad school days (in engineering), many/most of the PhD students I knew did ...
by fast_and_curious
Fri May 24, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2802

Re: Grad school financing - hard sciences

If I know that they/we will have, let's say, 8 years of college + grad school to pay for, that could lead us to a different financial decision than if they/we have only 4 years of undergrad education to pay for, with a good chance of grad work being free. Cripes I can't shut up on this thread I gue...
by fast_and_curious
Thu May 23, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2802

Grad school financing - hard sciences

Hello Bogleheads, Back in my day (meaning 25+ years ago), most people I knew, including myself, who pursued graduate education in an engineering discipline, didn't have to pay for it. Some got fellowships, some worked as teaching assistants, some as research assistants, etc. but almost everyone I kn...
by fast_and_curious
Thu May 23, 2019 6:45 pm
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13735

Re: Can I take an 85+% pay cut for fun?

I always enjoy reading when people come back later and post a follow up, after posing interesting questions with the typical range of great answers we see on bogleheads. So, I figured I'd do the same. OP here. I ended up taking the "middle road" that many people in this thread suggested. I...
by fast_and_curious
Thu May 09, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1830

Re: New car issues, possible lemon law (NC)

OP here with an update. The case manager from American Honda (corporate) called me this afternoon and said that a TSB was literally just issued yesterday that should fix the problem with a software update. The diagnosis code and description in the TSB exactly matched the symptoms and code pulled by ...
by fast_and_curious
Thu May 09, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1830

Re: New car issues, possible lemon law (NC)

Lemon law is not going to apply to a small "extra" feature like that. By any chance were you driving in rain or snow? Those systems rely on small cameras that can get obscured by water or ice. Weather was crystal clear both times it happened. There are a couple of tiny (like mosquito/gnat...
by fast_and_curious
Thu May 09, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1830

New car issues, possible lemon law (NC)

Hi Bogleheads, Short question: Are there specific items I need to be sure to document, or be sure to mention in discussions with either the dealer or the corporate offices of the manufacturer, to lay the groundwork for a possible Lemon Law action? Long story: Last week I purchased a new 2019 Honda A...
by fast_and_curious
Tue Mar 19, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back credit card w/o annual fee and w/o foreign transaction fee
Replies: 24
Views: 2135

Re: Cash back credit card w/o annual fee and w/o foreign transaction fee

Uber Visa wouldn't be bad if you dine out (4%), travel (3), or purchase things online(2) often. Also a $50 streaming credit after 5k per year is like an extra 1% on 5k. Also has cell phone insurance. Another nicety of the Uber Visa - since the OP's request of no foreign transaction fee implies some...
by fast_and_curious
Sun Aug 12, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 2471

Vanguard updated 1099 in August!

I have been helping my parents with their taxes for the last few years. They received an amended 2017 1099-DIV this week from Vanguard, with several hundred dollars difference in dividends (and qualified dividends) for a Vanguard mutual fund. So I spent a couple hours this afternoon helping figure o...
by fast_and_curious
Fri Jun 01, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 1427

Re: Kemper vs Amica home/auto insurance

Make sure you're comparing AMICA post dividend . Also, make sure you understand that AMICA offers two times of rates. One is a rate WITH DIVIDEND (where allowed). They charge you $100, and at the end of the year give you $20 back. The other is WITHOUT DIVIDEND. They charge you $85. If your state al...
by fast_and_curious
Thu May 31, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 1427

Re: Kemper vs Amica home/auto insurance

We have been with AMICA for home, two autos, and umbrella for forty years - very happy, good service, and seems to be very competitively priced. +1. And to the OP: the fact that you haven't had a recent claim is no reason to go with a "middle-of-the-road" insurer. Isn't the whole point of...
by fast_and_curious
Thu May 31, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 1427

Kemper vs Amica home/auto insurance

After a 30+% increase in our Liberty Mutual homeowners premium this year, I shopped around quite a bit. For equivalent coverage, Amica is roughly 25% cheaper than my existing Liberty Mutual policy ($~2000 vs $~2600 for home, 2 cars, and 1M umbrella), and Kemper is about $150 cheaper still (~$1850). ...
by fast_and_curious
Thu Apr 26, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 3915

Re: Help! Nephew is asking for college advice (undergrad choices)

Another Purdue engineering grad here. Among the institutions in the OP's list, I would wholeheartedly recommend Purdue if the nephew is pretty sure about wanting an engineering degree/career. In addition to being the best ranked (although college rankings are overrated, IMHO) and lowest cost of the ...
by fast_and_curious
Mon Mar 19, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 7934

Re: Amazon Prime Going Sideways/Weird Shipment Problems

We have also noticed a significant portion (maybe 25%?) of our Prime deliveries are late in the last year or so. Of course, it's always the thing you really needed in two days that doesn't arrive in time! :oops: You should call/chat to complain. It is standard for them to extend your prime membershi...
by fast_and_curious
Wed Mar 14, 2018 6:04 pm
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13735

Re: Can I take an 85+% pay cut for fun?

OP here. Thanks again for all the replies - as usual I am humbled by the experience on this forum and grateful for the thoughtful responses. I'm not replying to all of them but am definitely reading them all. And then go buy a little airplane that I could enjoy with my family in my retirement. Sever...
by fast_and_curious
Wed Mar 14, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 60
Views: 10212

Re: Credit card question - get Uber's new 4%er?

The Uber card is now my most-used card. 4% restaurants. 3% travel (airlines, hotels, rideshares, etc). 2% online purchases. 0% foreign transaction fee. I recently went on a two-week trip overseas and that was a great combination of benefits on just one card. I'll stop before I sound too much like a...
by fast_and_curious
Fri Mar 09, 2018 11:09 pm
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13735

Re: Can I take an 85+% pay cut for fun?

1. What does your spouse think of your plan? Remember that it will impact your entire family. 2. Cut your living expenses to $50K + taxes and actually live on that much for one year. If you can do that, you are ready. (I selected a number lower than others have since you already own your home.) May...
by fast_and_curious
Fri Mar 09, 2018 9:48 am
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13735

Re: Can I take an 85+% pay cut for fun?

OP here. Thanks for all the well-reasoned and helpful responses. I was afraid my initial post was so long that I might not get much feedback, glad you all took the time to read it. Interesting to see responses ranging from, "this is a terrible idea" to "I would". :wink: I admit I...
by fast_and_curious
Thu Mar 08, 2018 10:17 pm
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13735

Can I take an 85+% pay cut for fun?

Hi Bogleheads, Synopsis: Can I quit my current job that pays roughly $275k (that I hate), to pursue a career that I'm passionate about but pays only ~ $35k? Details: I work at MegaTech as a software developer. With bonus & stock, my annual compensation is roughly $275k. But I've really been feel...
by fast_and_curious
Tue Feb 13, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 2165

Obligation to use car insurance proceeds?

My wife was rear-ended a couple of weeks ago, while stopped at a traffic light. (Apparently a dog in the car behind her jumped into the lap of the driver, causing this driver to hit the gas!) Resulted in some scratches, swapped paint, and a chunk taken out of the rear bumber of my wife's car. We con...
by fast_and_curious
Mon Dec 18, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Texts and Logon Security
Replies: 6
Views: 1005

Re: Vanguard Texts and Logon Security

As far as the text, according to the rep 'there is no way to know if it is a legitimate text from VG or a spoof text. He suggested it was probably from someone w/ a similar ID trying to reset something and not to worry about it. That's plausible. It's been a while since I got one of those texts (my...
by fast_and_curious
Sat Oct 21, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 5060

Re: Drawback of TOTP (app like Google Authenticator)?

The problem with financial companies and their security departments is that they probably don't adequately enough "think like a criminal". I think that mindset is needed for them to hermetically seal their customer's assets. I think the problem is that if they make it too hard to recover ...
by fast_and_curious
Sat Oct 21, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 5060

Re: Drawback of TOTP (app like Google Authenticator)?

Who is one of your beneficiaries of your accounts? That was a question that was asked. Two different times. Wow. :shock: When I had to reset my phone (and thus needed to resync with a new instance of Symantec VIP), Fidelity asked me my account #. I didn't know it offhand (so that should have been a...
by fast_and_curious
Thu Oct 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 5060

Drawback of TOTP (app like Google Authenticator)?

Currently, my accounts use a mix of SMS two-factor authentication and TOTP apps like Google Authenticator and Symantec VIP. I certainly recognize the possibility of someone hijacking my mobile phone account and why TOTP apps are more secure (for more background, see this recent thread for example: h...
by fast_and_curious
Sat Sep 09, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 77
Views: 61623

Can't freeze credit at Experian?

After the recent Equifax hack - both my wife and I were on the list, according to their site - we decided to freeze our credit reports at all 3 bureaus. Note that I live in a state where there is no charge to freeze or unfreeze your credit reporting. We were both able to do the freeze online at both...
by fast_and_curious
Fri Sep 08, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 12331

Re: Fidelity Security

I also use the Symantec VIP app with Fidelity, and I did not have to provide my Fidelity password to the app or Symantec. IIRC, when you start up the app, it gives you a serial number type thing that you then provide to Fidelity, and that's it - then, you just log in as normal and it prompts you to ...
by fast_and_curious
Wed Jul 12, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Melrose CU & account inactivity fee
Replies: 4
Views: 666

Melrose CU & account inactivity fee

I opened a couple of CDs at Melrose Credit Union last year when they had some of the highest rates around. In order to open a CD there, I also had to open a standard share account (i.e. savings account) with a minimum of $25, which I did. I recently received a statement where they said that they wil...
by fast_and_curious
Mon Jun 26, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect IRS notice, should I worry?
Replies: 13
Views: 3773

Re: Incorrect IRS notice, should I worry?

OP here - thanks to all; I will include a letter of explanation, as suggested above, when I return the notices. I did google the name - although not a common/typical American/Western name, apparently it must be relatively common in general, since there are many hits, including an apparently popular ...
by fast_and_curious
Mon Jun 26, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect IRS notice, should I worry?
Replies: 13
Views: 3773

Incorrect IRS notice, should I worry?

Hello, This weekend we received two IRS notices in the mail. The mailing address was exactly our correct address, but the name was someone else's name. Debated just returning the notices, but because we have lived in this house since it was built (i.e. no one else has ever lived at this address), an...
by fast_and_curious
Fri Jun 03, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 5160

Re: Is Cricket Wireless down for lots of people?

We are on vacation and both have Cricket Wireless. After being in a someone remote area we weren't surprised we had no service. But now we're back in our hotel, where we've had no problems with service, and I still can't get either phone to work. A quick internet search seems to say that there are ...