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J
Auto insurance if I don't own a car?

Not true. In CA at least, the insurance follows the car first. In a situation where you borrow a friend's car and have an accident, the friend's policy pays first and if their limits are insufficient, your policy pays second. For the OP, you can get what's called a non-owners policy if you...
- JPerk
- Post #8
- Jul 19, 2013
- Forum: OT Discussion Club
J
Thinking about getting Life Insurance

There's some good advice in here but also a couple things that are off. I would agree that a term product most likely meets your needs best. If you already max out all 401k and tax advantaged IRA options, you could consider whole life as an additional savings vehicle. You may not get the same...
- JPerk
- Post #22
- Jul 12, 2013
- Forum: OT Discussion Club
J
Interest on life insurance policy?

Many insurance companies are now writing their term products on a universal life "chassis". They price it so that you have a level payment for however many years you want your term to last, usually up to 30. If you get to the end of your term and want to stop, the policy ends. No cash value...
- JPerk
- Post #9
- Jun 15, 2013
- Forum: OT Discussion Club
J
GEICO quoted me HALF of what USAA quoted?

Usaa is far better at handling claims and taking care of customers than Geico. That may or may not be worth more money but from what I've seen, usaa has never been known for rock bottom rates.
- JPerk
- Post #3
- Jun 14, 2013
- Forum: OT Discussion Club
J
Contest is over---------Summer Hardware Giveaway!

Very generous, thank you. I would like to enter for all 5 as well. 1 and 4 would upgrade my wife's Athlon 64 5800+ 2 and 3 would upgrade my hd4000 built in GPU 5 could possibly bring my laptop back from the dead
- JPerk
- Post #21
- Jun 14, 2013
- Forum: Computer Building
J
Post your gaming fails here.

Threw all my candies on the ground once.
- JPerk
- Post #29
- Jun 7, 2013
- Forum: OT Discussion Club
J
Do you hide a spare key around the premises of your home?

I had one of those half rocks as a teenager. We kept it on top of the fridge inside the garage though so it was obvious that it wasn't a real rock. At the house now, we have an ugly realtor box that the listing agent never took so we locked that onto a part of the side fence and use that.
- JPerk
- Post #25
- May 21, 2013
- Forum: OT Discussion Club
J
Buying a house, loan questions.

Avoid the pmi and pay that extra $200 to the cars or use it to rebuild your savings.
- JPerk
- Post #3
- May 21, 2013
- Forum: OT Discussion Club
J
Getting Direct TV this month

I've had it for almost a year. In a month or two a couple of the initial discounts fall off and then at the end of year two it will be pretty expensive. At that point, I plan on using the threaten to quit method to try to get those discounts added back on. The service is good but we don't have...
- JPerk
- Post #10
- Apr 18, 2013
- Forum: OT Discussion Club
J
Buying month to month auto insurance?

Just cancel your policy when you leave the country if you don't want coverage. Most preferred auto insurance companies won't charge a cancellation fee and will let you start a new policy with minimal effort when you get back. You should at least keep comprehensive coverage though because that...
- JPerk
- Post #18
- Feb 6, 2013
- Forum: OT Discussion Club
J
Anyone here work for themselves?

What do you do?
- JPerk
- Post #2
- Jan 23, 2013
- Forum: OT Discussion Club
J
SoCal folks: family vacation rental house, need to choose: Anaheim Hills or Orange?

Getting to Anaheim from any of the beach areas will have traffic if you go at the wrong time. I would recommend Newport because of the proximity of activities other than the beach. Newport has a "fun zone" with some things the kids might enjoy and is a walkable/bikeable area. Fashion island is...
- JPerk
- Post #10
- Jan 21, 2013
- Forum: OT Discussion Club
J
Anyone here good at creating web logos? Want to make 20 bucks?

Www.fiverr.com
- JPerk
- Post #2
- Jan 13, 2013
- Forum: OT Discussion Club
J
Where to buy business cards?

http://www.millersprint.com/
- JPerk
- Post #8
- Jan 9, 2013
- Forum: OT Discussion Club
J
My recent trip to the dentist: something fishy?

Go to Mexico
- JPerk
- Post #16
- Dec 20, 2012
- Forum: OT Discussion Club
J
Confused about Health Plan choices -- HELP

If you go to the doctor a lot, choose the higher deduction plan. If you only go for annual checkups, choose the lower deduction. The visits for the baby (every 3 months) will be considered wellness and covered at 100% so don't count those. Can't really comment on whether to have one or two...
- JPerk
- Post #2
- Nov 5, 2012
- Forum: OT Discussion Club
J
An idea for better health insurance?

That's against the law. They don't drop you for utilizing the coverage. They can raise the company's rates but have to accept all members of the group, in CA anyway.
- JPerk
- Post #27
- Oct 23, 2012
- Forum: OT Discussion Club
J
shock from power supply

I have an old pc that I have been using for about 5 years. Not sure if specs are needed but its an amd x2 5600+ to show how old it is. About 2 years ago the power supply stopped working so put in a new one. That's the last time its even been opened. Today, I went to plug in a usb mouse while...
- JPerk
- Thread
- Aug 23, 2012
- Replies: 12
- Forum: Computer Building
J
53 'Arrested Development' Jokes You Probably Missed

I'm out of the loop, new stuff = ??? Also, I didn't read the link....
- JPerk
- Post #3
- Aug 21, 2012
- Forum: OT Discussion Club
J
Problems during POST

I put in the CPU and cooler before installing the motherboard in the case. With just those pieces assembled, I power on and get 3 beeps which I believe would be normal since there is no RAM installed yet. Next I added the RAM and powered on again. No beeps. I have 2x4gb so I tried each stick...
- JPerk
- Thread
- Aug 4, 2012
- Replies: 1
- Forum: Computer Building
J
New HTPC build for a nooby

Quick comment on streaming to the ps3, there are a couple programs that do exactly that for free. I use one called ps3 media server. Works pretty well through my wireless network.
- JPerk
- Post #2
- Jul 9, 2012
- Forum: Computer Building
J
Microsoft Office Professional - 2010 - $9.95 for certain emails (.edu, work, myspace)

I wasn't getting email to my old MySpace as others mentioned, it was bouncing back. I created a new account and sent a few emails out and after a day or two, my replies stopped bouncing back and the Microsoft email made it through.
- JPerk
- Post #48
- Jun 30, 2012
- Forum: Hot Deals and Giveaways
J
Price increase question

Here's what the chart is doing, 20% margin minus 2% reduction is 18%. To get profit back to 20%, you need to increase that 18% by 2%. 2/18 =11% increase in sales. 20-4=16. 4/16=25% increase in sales.
- JPerk
- Post #3
- May 14, 2012
- Forum: OT Discussion Club
J
SEO - Need ATOT's wisdom

Based on the fact that the SEO company's website doesn't show up in any of my searches for related terms, I wouldn't have confidence that they could get mine to show up. You would think they would do their best work on their own website. You could always ask them for references. Also keep in...
- JPerk
- Post #2
- Apr 26, 2012
- Forum: OT Discussion Club
J
In *other* NFL News.. Redskins to acquire #2 pick from Rams

That seems like a high price to pay to move up 4 spots. Is that comparable to what others have paid in the past? When the Giants and Chargers swapped 1st pick for 4th pick in 2004, the Chargers only got one 1st, one 3rd and one 5th in addition to the swapped pick. And that was moving up to the...
- JPerk
- Post #14
- Mar 10, 2012
- Forum: OT Discussion Club
J
Dear Travelers Insurance: SCREW YOU!

Monthly automatic EFT is the $1.00 charge the OP was referring to. If you pay in full with Travelers though, you don't pay the $6.00 fee. $6.00 is about middle of the road in terms of fees. There are some that are $10-12/mo in billing fees. There are a handful that have $0 in fees if you do...
- JPerk
- Post #12
- Mar 10, 2012
- Forum: OT Discussion Club
J
Term Life Insurance shopping: Is one place as good as another?

If you have medical conditions, some may handle them better than others. For instance, company A may give you the preferred rate with high blood pressure while company B may only give you a standard rate for the same medical history. This also applies to tobacco use.
- JPerk
- Post #4
- Mar 5, 2012
- Forum: OT Discussion Club
J
Places to visit/ eat in San Diego?

It's called Hodad's. Awesome burgers. Also right near the beach. Hash House is also a good suggestion for breakfast.
- JPerk
- Post #35
- Sep 21, 2011
- Forum: OT Discussion Club
J
Win 7 Install from Win XP

Wiping it with Bootit erased what was left of WinXP so that if I boot from the hard drive it tells me there is no operating system. However, when I boot from the Win7 dvd it still gets to the splash screen and restarts. I think I have some other memory to try. The power supply is about 3 months...
- JPerk
- Post #4
- Aug 26, 2011
- Forum: Operating Systems
J
Win 7 Install from Win XP

I'm trying to install my new copy of Win7 but having some issues. I boot from the Win DVD, it goes through the loading files screen, and gets to the splash screen. At that point, it automatically restarts the computer. If I let it boot from the hard drive, it does the exact same process with...
- JPerk
- Thread
- Aug 25, 2011
- Replies: 3
- Forum: Operating Systems

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