Search found 976 matches

by seawolf21
Wed Apr 14, 2021 4:29 pm
Forum: Personal Consumer Issues
Topic: Going from TSA PreCheck to Global Entry
Replies: 16
Views: 1180

Re: Going from TSA PreCheck to Global Entry

DW and I have not done any travel (other than by car) since the pandemic began, but we recently received emails reminding us of upcoming expiration of our TSA PreCheck memberships: This is a reminder that your TSA PreCheck membership is about to expire on 08/10/2021. You can renew up to 6 months in...
by seawolf21
Wed Apr 14, 2021 3:35 pm
Forum: Personal Consumer Issues
Topic: attic insulation and recessed (can) lights
Replies: 10
Views: 942

Re: attic insulation and recessed (can) lights

What kind of bulbs are you using? The past guidance was based on tungsten and halogen bulbs, which produce huge amounts of heat. If you are using LED bulbs, common sense tells you the the amount of heat produced is a fraction of that from legacy bulbs and that covering them up will be fine. That's ...
by seawolf21
Wed Apr 14, 2021 9:19 am
Forum: Personal Consumer Issues
Topic: Mouse Help
Replies: 14
Views: 998

Re: Mouse Help

I use snap traps as well.

Got mice in the attic and a hole that is not easily sealable. Pointing a Wyze camera at the hole and traps and I only go up to the attic if I see activity.
by seawolf21
Tue Apr 13, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 262
Views: 18993

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

Confused by this thread. Some people stay at Motel 6 while others stay at Four Seasons while others fly basic economy sitting in the middle seat at the back of the plane while others sit in 1A.
by seawolf21
Tue Apr 13, 2021 9:24 am
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 46
Views: 2247

Re: DIY recessed lighting installation?

You should look into IC-rated cans to minimize fire hazard if there is insulation. As Normchad indicated, LED would be the way to go. Less heat less power. As lthenderson , indicated, a can is not even needed for some low-profile LED recess. Just cut a hole in ceiling. Hard part is making sure you c...
by seawolf21
Tue Apr 13, 2021 9:08 am
Forum: Personal Consumer Issues
Topic: Mouse Help
Replies: 14
Views: 998

Re: Mouse Help

Water lines (even hot water) don't combust. Seal away with copper mesh/steel wool.
by seawolf21
Tue Apr 13, 2021 7:56 am
Forum: Personal Consumer Issues
Topic: Cockroach Coming Out of Hole in Sink?
Replies: 15
Views: 1431

Re: Cockroach Coming Out of Hole in Sink?

Sounds like overflow hole. Try filling up the sink so that water overflows into it? If that doesn't get rid of the problem. Get a can of get a can Terro Ant Dust and apply it to the holes with a old tooth brush. Roach will regret the next time it sticks out of the hole. An alternative method to appl...
by seawolf21
Mon Apr 12, 2021 8:21 pm
Forum: Personal Consumer Issues
Topic: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)
Replies: 19
Views: 1755

Re: Which Credit Card to Get for Travel to Hawaii (looking for a bonus offer)

I would look at ways to redeem hotel awards instead of air especially if you are already on the West Coast. Getting three seats award during summer is probably more difficult than just redeeming for a hotel room. Hotel could likely cost more than air.
by seawolf21
Mon Apr 12, 2021 8:25 am
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 16
Views: 1752

Re: Any MagicJack phone alternatives that are cheaper and better?

As mentioned earlier, Google Voice and Obihai. One time setup cost - $20 to port a number to GV (optional) and around $50 for the device.
by seawolf21
Fri Apr 09, 2021 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: CPA Saying I Have Excess HSA Contribution
Replies: 32
Views: 2089

Re: CPA Saying I Have Excess HSA Contribution

[ The core issue that comes up around this time every year is CPAs are accountants not tax preparers. Unless the CPA marketed themselves as a tax preparer, they are not expected to know this particular area. CPAs are only required to have a high level knowledge of the income tax regs. Just because ...
by seawolf21
Fri Apr 09, 2021 6:02 pm
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1789

Re: Arline Miles - how to use?

Is anyone getting good deals on frequent flyer flights these days? It seems like paying cash for a ticket is a far better deal most of the time. I (unfortunately) fly out of a United hub, and used to find some good deals to Hawaii, the Caribbean, and Europe, but now the miles required for a rewards...
by seawolf21
Fri Apr 09, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: fan trips GFCI; can I plug into surge protector?
Replies: 22
Views: 1373

Re: fan trips GFCI; can I plug into surge protector?

If the fan is plugged into the surge which it plugged into the GFCI, I would still expect GFCI to trip.
by seawolf21
Fri Apr 09, 2021 11:49 am
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1789

Re: Arline Miles - how to use?

Is anyone getting good deals on frequent flyer flights these days? It seems like paying cash for a ticket is a far better deal most of the time. I (unfortunately) fly out of a United hub, and used to find some good deals to Hawaii, the Caribbean, and Europe, but now the miles required for a rewards...
by seawolf21
Fri Apr 09, 2021 11:20 am
Forum: Personal Finance (Not Investing)
Topic: CPA Saying I Have Excess HSA Contribution
Replies: 32
Views: 2089

Re: CPA Saying I Have Excess HSA Contribution

[ The core issue that comes up around this time every year is CPAs are accountants not tax preparers. Unless the CPA marketed themselves as a tax preparer, they are not expected to know this particular area. CPAs are only required to have a high level knowledge of the income tax regs. Just because ...
by seawolf21
Fri Apr 09, 2021 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contributions by $0.16
Replies: 6
Views: 600

Re: Excess HSA contributions by $0.16

As others have said, it's going to round down to $0 on your return so there is no excess.
by seawolf21
Fri Apr 09, 2021 10:37 am
Forum: Personal Finance (Not Investing)
Topic: CPA Saying I Have Excess HSA Contribution
Replies: 32
Views: 2089

Re: CPA Saying I Have Excess HSA Contribution

I would find it unacceptable to pay a CPA whose answer is going to be "but the computer program said", especially if his computer program apparently doesn't work as well as Turbotax. Still doesn't excuse the CPA who should know this and then be telling them he needs their permission to sp...
by seawolf21
Thu Apr 08, 2021 3:34 pm
Forum: Personal Consumer Issues
Topic: Windows 7 key fraud?
Replies: 17
Views: 1818

Re: Windows 7 key fraud?

I think you should have fully activated Windows 7 before updating to Windows 10. Have you checked under the battery to see if there's an activation code for Win 7? If so, you might have to reinstall Win 7, activate using the code, then upgrade to Win 10. I recently received an Acer laptops that I b...
by seawolf21
Tue Apr 06, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: No foreign fee, reimburse atm fee cards besides Schwab?
Replies: 33
Views: 2063

Re: No foreign fee, reimburse atm fee cards besides Schwab?

I know fidelity has cash management, and it does reimburses atm fees, but Fidelity charges a 1% foreign transaction fee . Fidelity does not charge a foreign transaction fee on ATM withdrawals, only on purchases. It also reimburses ATM fees daily, whereas IIRC Schwab does so monthly. Schwab brokerag...
by seawolf21
Tue Apr 06, 2021 12:47 pm
Forum: Personal Consumer Issues
Topic: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this
Replies: 8
Views: 1025

Re: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this

problem. Three different times it show me taking out the same amount twice on the same day but I only took out money once. Anybody else have this problem? Same or different ATM operator? My card is linked to brokerage account and never seen this happen. Available balance only drops by the amount I ...
by seawolf21
Mon Apr 05, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5168

Re: Best nonstick pans?

I have a kitchen drawer full of various nonstick frying pans from Costco Kirkland signature to various other expensive and inexpensive options. None of them are really very good. Does anyone have recommendations for the very best nonstick pans for eggs, stir fries, and other uses? Cost is not reall...
by seawolf21
Sun Apr 04, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

There are studies in progress on a additional (3rd) dose of Moderna/Pfizer and 2nd doe for J&J so you may potentially have to undo the lamination.
by seawolf21
Thu Apr 01, 2021 9:33 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 950

Re: American Air ticket refunds?

Had a family medical emergency and had to cancel our planned Spring Break trip. Went through the AA.com web site and filed a refund request. Checked on status and it lists the 1st flight of a total of 4 (1st leaving home, 2nd connecting flight to final destination, 3rd departure flight from destina...
by seawolf21
Thu Apr 01, 2021 8:20 pm
Forum: Personal Consumer Issues
Topic: American Air ticket refunds?
Replies: 11
Views: 950

Re: American Air ticket refunds?

Had a family medical emergency and had to cancel our planned Spring Break trip. Went through the AA.com web site and filed a refund request. Checked on status and it lists the 1st flight of a total of 4 (1st leaving home, 2nd connecting flight to final destination, 3rd departure flight from destina...
by seawolf21
Thu Apr 01, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: IRS.gov tax account sign up
Replies: 23
Views: 1960

Re: IRS.gov tax account sign up

Every other year or so I realize I have to file amended returns due to late 1099 or just plain mistakes. IRS account lets you confirm the amended return is processed. It also show the 1099/W2 IRS receive from financial institutions and employers.
by seawolf21
Thu Apr 01, 2021 11:27 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

According to today's Wash.Post, the Biden administration is working on a COVID vaccine passport rollout: https://www.washingtonpost.com/health/2021/03/28/vaccine-passports-for-work/?campaign_id=9&emc=edit_nn_20210329&instance_id=28597&nl=the-morning&regi_id=100196176&segment_id=...
by seawolf21
Thu Apr 01, 2021 11:15 am
Forum: Personal Consumer Issues
Topic: Cost for COVID test for travel
Replies: 19
Views: 1633

Re: Cost for COVID test for travel

Could be free in some states / locales. Free drive-up testing where I live. Results in less than 24 hours if my spouse's experience is any indication. Agree, but it depends how it is coded for the insurance. In our case, for travel does not equal medical necessity apparently. Will look into the hom...
by seawolf21
Wed Mar 31, 2021 8:56 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5903

Re: Tankless Water Heater - Struggling to Justify

My understanding of the tankless, and my thoughts on it: *Unlimited hot water! - Why would I want this? I don't want unlimited, I only want 'enough'. With our current 40 gal heater unless we take back-back-back showers we don't run out. I think it's happened twice. With 80 gal I think it'd be extre...
by seawolf21
Fri Mar 26, 2021 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2625

Re: Owners Title Ins., purchasing property from Judge

Owner insurance only $377. No brainer. The house being built by seller has no bearing as you want to cover issues concerning ownership with the land.
by seawolf21
Wed Mar 24, 2021 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Decision Check HDHP vs PPO
Replies: 12
Views: 871

Re: Decision Check HDHP vs PPO

What option would you choose, given the numbers below? This is for family coverage. The thing that seems strange to me is that I am taking additional risk by choosing the HDHP, but the company is pocketing most of the savings of the cheaper plan. HDHP PPO Employee Premium 5145 6084 Employer Premium...
by seawolf21
Tue Mar 23, 2021 10:25 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

This article seems to indicate that the card is important: https://abcnews.go.com/Health/hang-covid-19-vaccination-card-important/story?id=76606459 Photos that display the COVID-19 vaccination card like a badge of honor have been making the rounds on social media for months, but the card is more th...
by seawolf21
Mon Mar 22, 2021 6:02 pm
Forum: Personal Consumer Issues
Topic: Safety of logging in to retirement account using unsecure wifi?
Replies: 33
Views: 3039

Re: Safety of logging in to retirement account using unsecure wifi?

You’ll have the same security concerns with traffic snooping/man-in-middle with mobile hot spot, VPN etc as there me always a risk something is compromised. Just realize you will not get to zero risk even if you don’t go online. Minimize risk by using strong password, 2FA, monitor account transactio...
by seawolf21
Mon Mar 22, 2021 11:00 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

While the CDC COVID card may or may not be accepted by foreign governments, it is accepted by Krispy Kreme for a free glazed donut once a day for the rest of 2021. https://www.krispykreme.com/promos/vaccineoffer After a dozen visits you are eligible for a free insulin shot. +1. :) Smokers and obese...
by seawolf21
Mon Mar 22, 2021 10:09 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

While the CDC COVID card may or may not be accepted by foreign governments, it is accepted by Krispy Kreme for a free glazed donut once a day for the rest of 2021.

https://www.krispykreme.com/promos/vaccineoffer
by seawolf21
Sun Mar 21, 2021 10:38 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Should I contact Credit Card to stop payment on an order I placed yesterday - big ticket item...
Replies: 30
Views: 3724

Re: Should I contact Credit Card to stop payment on an order I placed yesterday - big ticket item...

An authorization remains valid until merchant posts the charge or authorization times out after a certain time of merchant does not post the charge. Even a now reported fraudulent but previously approved authorization will be let thru. The process is to then initiate a dispute once the charge posts.
by seawolf21
Sun Mar 21, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: USPS sends federal tax return to state tax office
Replies: 22
Views: 3218

Re: USPS sends federal tax return to state tax office

We always send our tax returns using certified mail with return receipt. Early in March, my wife mailed tax returns for a trust for which she is trustee to both the IRS in Kansas City and the Illinois Department of Revenue in Springfield. I am sure that the address on the envelopes was correct in b...
by seawolf21
Sat Mar 20, 2021 11:13 pm
Forum: Personal Consumer Issues
Topic: USPS sends federal tax return to state tax office
Replies: 22
Views: 3218

Re: USPS sends federal tax return to state tax office

We always send our tax returns using certified mail with return receipt. Early in March, my wife mailed tax returns for a trust for which she is trustee to both the IRS in Kansas City and the Illinois Department of Revenue in Springfield. I am sure that the address on the envelopes was correct in b...
by seawolf21
Sat Mar 20, 2021 10:58 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I didn't realize they were going to be used for travel or anything official. They won't be in the US. OTOH, some international countries may require them for inbound travelers...so unless you are an international traveller, you can stuff it in a drawer. Actually, Hawaii is developing a system to op...
by seawolf21
Sat Mar 20, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Notice the place on the card for the IIS number. None of the cards I've seen for vaccinated people include an IIS number. My point is that, whether or not you see it on your card, there is a database for the vaccinations. The card is a reminder for you. Serves no purpose for real proof as you can p...
by seawolf21
Sat Mar 20, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

The card is a reminder for you. Serves no purpose for real proof as you can print your own on 3x4 card stock. https://www.dhs.wisconsin.gov/covid-19/vaccination-card.pdf Notice the place on the card for the IIS number. None of the cards I've seen for vaccinated people include an IIS number. My poin...
by seawolf21
Sat Mar 20, 2021 12:58 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

The card is a reminder for you. Serves no purpose for real proof as you can print your own on 3x4 card stock.

https://www.dhs.wisconsin.gov/covid-19/ ... n-card.pdf
by seawolf21
Thu Mar 18, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Lien on house from over 10 years ago I didn't know about
Replies: 18
Views: 2176

Re: Lien on house from over 10 years ago I didn't know about

OP here. No, never served any papers or sued. Never contacted about any outstanding bills. Out of curiosity, I just did a search of county records for the chiro's name and pulled up over 500 listings of similar liens (actually more than that, the county site stops at 500)! A good number (20%?) look...
by seawolf21
Thu Mar 18, 2021 5:11 pm
Forum: Personal Consumer Issues
Topic: Lien on house from over 10 years ago I didn't know about
Replies: 18
Views: 2176

Re: Lien on house from over 10 years ago I didn't know about

Tried calling the other party's insurance (listed on lien), but they told me information is purged after a certain number of years. I did discover, however, that their claim numbers have 10 digits and lien data only shows 9 digits, so chiro may have dropped a digit and therefore the bill wasn't pai...
by seawolf21
Thu Mar 18, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Water Softener Cost
Replies: 24
Views: 1695

Re: Water Softener Cost

Another note. The harder the water, the more salt you will use. The more water you use, the more salt you will use. The relation for water usage/hardness/salt usage is well known and all the better systems will operate close to each other. I have a system several years old but no way could my unit ...
by seawolf21
Thu Mar 18, 2021 9:54 am
Forum: Personal Consumer Issues
Topic: Water Softener Cost
Replies: 24
Views: 1695

Re: Water Softener Cost

... Sounds like the Whirlpool is an older unit. Current models take usage into account. Older ones don't and will regenerate on a fixed schedule even if you used no water. We have 14 grains on a GE model from HD ($500). 40 lb of salt lasts us 4-6 months. The old system (Culligan) was going thru 40 ...
by seawolf21
Thu Mar 18, 2021 8:33 am
Forum: Personal Consumer Issues
Topic: 50 gallon water heater questions
Replies: 70
Views: 4279

Re: 50 gallon water heater questions

As others have indicated, just get a sensor. If the unit fails, it will slow leak not dump gallons per minute.

Not sure where you are located, code in NYC/NJ does does not require drain or pan if in basement. Just need a pipe from temperature relief valve leading to bare floor.
by seawolf21
Wed Mar 17, 2021 3:42 pm
Forum: Personal Consumer Issues
Topic: Water Softener Cost
Replies: 24
Views: 1695

Re: Water Softener Cost

This thread is timely for me because we are in the process of building a house and will need a water softener (builder is pre-plumbing for it as water is very hard in this area). In our last house, water was not super hard but we had a plumber put in a Whirlpool brand softener from Lowe's. It used ...
by seawolf21
Tue Mar 16, 2021 12:19 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 147
Views: 11227

Re: Tesla for people that keep cars a long time

My early 2013 Model S has 96,000 miles on it. When new, it had 265 miles (on paper) rated range. Nowadays, I get 253 miles on a full charge. My screen was initially changed while under warranty (at the very end of it). Just recently the memory card (eMMC) was replaced. Other than a battery replacem...
by seawolf21
Tue Mar 16, 2021 12:12 pm
Forum: Personal Consumer Issues
Topic: Water Softener Cost
Replies: 24
Views: 1695

Re: Water Softener Cost

The ones they sell at Home Depot (GE) and Lowe’s (AO Smith) gets the job done. You just need to estimate how much capacity you need based on hardness and usage. There is no reason to pay for overpriced systems. 100% agree. Unless you have a very unique situation like super high GPG hardness or need...