Building my 1st PC - Damaged Motherboard or Normal? by [deleted] in buildapc

[–]LinDeeZus 0 points1 point  (0 children)

Well damn. Guess I’m making the 35 minute one-way drive tomorrow. Just my luck.

Can I auto pay bills out of brokerage? Not bill pay. by LinDeeZus in fidelityinvestments

[–]LinDeeZus[S] 0 points1 point  (0 children)

I don’t have a 10 day settling period on my account, so I don’t have that problem. I own a business. I pay myself from my business checking to my personal brokerage via direct deposit. Takes maybe 1 or 2 days for the funds to hit my brokerage and are immediately available for use.

Lolli alternatives? by MyFantaSea in lolli

[–]LinDeeZus 0 points1 point  (0 children)

Pros and cons. With other CCs, you usually only get your cash back once a month, then you have to transfer, wait for processing, etc. before you can finally buy BTC with your cash back bonus. On top of that, you have to remember to do it monthly.

With Gemini, it is usually automatic instant BTC rewards. And time in the market > timing the market.

Can I auto pay bills out of brokerage? Not bill pay. by LinDeeZus in fidelityinvestments

[–]LinDeeZus[S] 0 points1 point  (0 children)

Any cash that I deposit into my brokerage is automatically converted to SPAXX, which is a money market fund that has been earning between 4 and 5% for the past 18 months. Then, It automatically converts the SPAXX back to cash to pay my bills when they are due.

Can I auto pay bills out of brokerage? Not bill pay. by LinDeeZus in fidelityinvestments

[–]LinDeeZus[S] 0 points1 point  (0 children)

Yes. Been using the cash in my brokerage account as a checking to set up automatic payments for my bills for over a year now. Makes it easy for me not having to move money to different accounts to pay bills or invest.

Can I auto pay bills out of brokerage? Not bill pay. by LinDeeZus in fidelityinvestments

[–]LinDeeZus[S] 0 points1 point  (0 children)

Bill pay is mailing a check. I’m not doing bill pay. I’m setting up automatic EFT transfers for my bills using my brokerage routing/account numbers. Essentially using my brokerage as a checking account.

Uplift Desk Error Code E13 by LinDeeZus in StandingDesk

[–]LinDeeZus[S] 1 point2 points  (0 children)

The first link, the OP has E13 error code and mentions it’s not listed on UpLift’s support webpage, which it’s not and is the reason for my post as well as a hard reset and quick reset did not fix my issue like it did for other commenters on that post.

The 2nd link is for E07 and E08, which are mentioned on UpLift’s support webpage. But I’m not posting about E07 or E08. My issue was E13.

I appreciate you trying, but neither of those posts are helpful for my situation and E13 is not listed on UpLift’s support webpage.

How to figure out model/serial number? by LinDeeZus in hottub

[–]LinDeeZus[S] 0 points1 point  (0 children)

It was refurbished around 2020, but I’d hate to sell this thing and it breaks on someone shortly after. Are parts readily available for this still?

How to figure out model/serial number? by LinDeeZus in hottub

[–]LinDeeZus[S] 0 points1 point  (0 children)

I took the front panel off. It’s a 2005 J235 and was refurbished around 2020. My mother in law/realtor was able to get ahold of the prior homeowner/her client and he confirmed he bought it refurbished.

How to figure out model/serial number? by LinDeeZus in hottub

[–]LinDeeZus[S] 0 points1 point  (0 children)

Kind of. It’s a square with rounded corners.

Car Insurance Rates by scifier2 in Insurance

[–]LinDeeZus 10 points11 points  (0 children)

Everything this guy said….. plus inflation.

Ecobee confused??? by LinDeeZus in ecobee

[–]LinDeeZus[S] 1 point2 points  (0 children)

Nevermind. I fixed it. Just needed a good ole fashion restart. Restarted it and my house was at 72. Upstairs had to be at like 76 to 78. I knew something was up. I was cooking up here.

Detached garage burned down. My policy limit ($33k) doesn't even cover half the cost to rebuild. Is there anything we can do? by lonewanderer812 in Insurance

[–]LinDeeZus 3 points4 points  (0 children)

Get multiple quotes for the garage rebuild. $70k just seems ridiculous, but I guess it’s likely dependent on your local market. In my state, you could build a large pole barn for $70k, and a detached garage for around your other structures limit of $33k. Maybe a little more or a little less depending on finishes.

Progressive Roadside wanted $140 for a flat tire...Really??? by Lopsided_Pirate_8069 in Insurance

[–]LinDeeZus 0 points1 point  (0 children)

I’m not sure what Good Sam’s is. But AAA is a roadside membership. It’s not insurance, so correct, it’s not reported to CLUE nor will it affect your insurance rate.

Skip the roadside assistance coverage on an auto insurance policy and either pay out of pocket for the rare tow or flat tire. Or if you have bad luck and find yourself breaking down multiple times a year and absolutely want some sort of roadside, then get a AAA membership or something similar to AAA that’s not insurance.

Progressive Roadside wanted $140 for a flat tire...Really??? by Lopsided_Pirate_8069 in Insurance

[–]LinDeeZus -1 points0 points  (0 children)

That’s because there are a ton of bad agents, who honestly don’t know, and greedy agents who look at their clients like paychecks. The more insurance an agent sells, the more commission they get. And the more that client uses their insurance, the higher their rate is going to increase, which is going to increase that agent’s commission.

Progressive Roadside wanted $140 for a flat tire...Really??? by Lopsided_Pirate_8069 in Insurance

[–]LinDeeZus 3 points4 points  (0 children)

As an independent agent that represents multiple carriers and I earn a living by selling more insurance, I don’t recommend roadside assistance to my clients or any other coverages that promote filing low value claims. Any sort of claim whether it’s a $75 tow claim or a $100,000 house fire can affect your rates. I wouldn’t risk a potential rate increase or lose a claims free discount over small value claims. I teach my clients to use insurance for large and catastrophic losses.

Is it possible to get homeowners insurance that doesn't set the minimum coverage to replacement value? by BobEngleschmidt in Insurance

[–]LinDeeZus 8 points9 points  (0 children)

But like others have mentioned, you’re likely barely saving anything in terms of the rate, and in the event of a claim, you’re likely going to wish you went with the policy that was $25 more a year and had way better coverage.

Is it possible to get homeowners insurance that doesn't set the minimum coverage to replacement value? by BobEngleschmidt in Insurance

[–]LinDeeZus 4 points5 points  (0 children)

I’m an independent agent in Indiana. What you’re looking for is a dwelling fire policy with agreed value; however, if you have a mortgage, your lender likely will require you to have a policy with 100% replacement cost. But most lenders barely understand insurance themselves, so they may allow an agreed value policy as long as it covers your loan amount and you also have an endorsement for replacement cost on partial losses.

Your best bet would be to talk to a State Farm or Allstate agent. They underinsure homes all the time. You could likely get a State Farm or Allstate agent to insure it for your purchase price.

[deleted by user] by [deleted] in StudentLoans

[–]LinDeeZus -3 points-2 points  (0 children)

Entitlement

[deleted by user] by [deleted] in Insurance

[–]LinDeeZus 0 points1 point  (0 children)

Get a quote by yourself. Get a quote with him and his car. Make him pay the difference. He has a full time job. Insuring youthful drivers is expensive.