Credit Karma phony alert?

I like Credit Karma as they provide a simple and inexpensive means by which to keep on top of your credit report and *kinda* your credit score as well (not FICO but near enough to be worthwhile).

By inexpensive I mean they do not cost you money but you *are* targeted for their recommendations – a fair enough trade in my book.

This week I just received an alert from them telling me there was a new status on one of my accounts:

“We noticed a change to the remarks listed on your Equifax credit report regarding your <BANK CAR LOAN Specifics Removed> account.”

When I go there I am taken to the derogatory remarks section and, as always, there are no notifications there.

Does anybody know if Credit Karma is trying a new (crappy) marketing scheme to drive more traffic to their site?

Found a great source for my Sacrificial Anodes

Long story short, if you are looking to find copper-free zinc sacrificial anodes you want “Pool Tool Anti Electrolysis” and, as of today, you want to get them from GetPoolParts.com.

To protect my Endless Pool Fastlane I use Zinc Sacrificial Anodes.

The purest source for these I had for these was from Endless Pools themselves. These used to cost a little over $15 each from them which was pretty pricey for something I would need to replace 2-4 times a year. When I checked a few days ago they were now

Similar anodes are used for maritime part protection (inboard motors, hulls, etc.) for a fraction of this cost. However, the maritime anodes that I have found are typically not so pure as I hoped. There is enough copper in them to cause blackening of stainless steel which quickly becomes unattractive.

This…

Endless Pool Fastlane showing stainless steel handle.

becomes this…

Endless Pool Fastlane showing stained stainless steel handle (yes I see the irony).

So I bought a healthy supply of the anodes that lasted me until this year.

When I went looking I saw that the price has now increased to about $24 for these, which is patently absurd.

What I want specifically is a product called “Pool Tool Anti Electrolysis”.

So I came across a site called “Get Pool Parts” that had them available for less then half of where I was seeing them anywhere else ($12.16 per anode). Ordinarily this would be a red flag as deals that are too good to be true are there to suck you in on the internet.

Their BBB record was just OK (B+ as of this writing) but I couldn’t find anything really bad about them in searching for scams or problems. Another vote of confidence for them was a few postings on Troublefreepool.com which has been a great source of pool information for me in the past.

I ordered these really late Tuesday night (2 am) and they arrived on Saturday morning. Everything was exactly as specified. I couldn’t be more pleased. I just wanted to give them a shout out and also let people know about this option and my good experience should you wish to avoid the extortionist pricing for this basic part.

Apple iPhone Xs Max vs Galaxy S10+: One of these smartphones wins in three key categories – MarketWatch

A friend forwarded me this article knowing I’d have an opinion. *Shockingly*, I do.

You can read the original article here

Part of my job is to certify new devices for my work environment.
I haven’t picked up the S10 yet, but I think most of the “key” aspects Jurica points out are kind of trivial.

It depends wholly on the person but, for me, once you get beyond 256 GB of storage it’s all just .. more. Sure, in a few years I’ll probably be pushing up against the 1 TB limit, but that will be for the phones of that generation to accommodate.

When you’re talking about $1,000 plus for a smartphone I think that $50 here or $100 there can’t be a big deal. If it is you *really* should not be at the luxury end of the market. And make no mistake, Apple’s recent offerings and Samsung’s Galaxy 10 are the at the pinnacle. 

With respect to power and the ability to use your phone to charge up other devices, I see this as the same as when I had a separate MP3 player and cell phone. At the time, the idea of extracting power from my phone to play music seemed ludicrous when I had a separate device that did this excellently without eating into my call time or smartphone usage. 
If I’m in a situation where I’m charging someone else’s phone, I’m probably in a situation where I need to be conserving my phone’s power and *shouldn’t* be inefficiently wirelessly charging other devices.

When I travel I ALWAYS have chargers (yes plural) and cables capable of charging all my devices. If I’m with someone who needs a charge at the airport, I’d rather they use my charger than sucking my critical link to the world dry of power.

The comment about still accepting microphone jacks is cute. Again, these are luxury devices. People whine that they are being forced to use the latest in headphone technology while they blow over a thousand dollars (a year?) on their smartphone. 
1) if you can’t afford a bluetooth headset, you really can’t afford the phone, 
2) if you don’t like new tech and would rather have a wired headset, why the hell are you buying one of the most technologically advanced smartphones in the world? There are plenty of less expensive, less advanced phones that cater to people who don’t need or want next-year’s tech.

The final decision comes down to OS preference and ecosystem preference (dependency).

As someone who moves between iOS and Android OSes all day every day I am careful to avoid getting locked too deeply in any ecosystem that makes it a nuisance to use the other device.

My preference has gone back and forth throughout the years but, in spite of the (correctly called-out) dismal tech support, the iOS devices are what I go to at the end of the day.

After mucking about problem solving and tweaking and resolving assorted god-knows-what issues with these devices all day, I’m happy enough to use the one that just works out of the box and that presents me with the fewest headaches.

As of today, iOS, in the form of the iPhone Xs Max, is my choice.

Informal Speed Clocking For Tesla

So, apparently I haven’t figured out how to use Dashboard for Tesla‘s Speed Clocking app as I did a few trials today and then completely did not manage to save them.

Dashboard for Tesla’s Speed Clocking screen

However just to note, my 5,000 lb SUV clocked in at:
5.0 Seconds for 0-60 MPH, and
14.75 Seconds for the 1/4 mile.

I think the 0-60 time is pretty accurate. I bollocksed up the 1/4 mile by ending up going UPHILL for a portion of it.

Just preliminary but was pretty happy with the times nonetheless.

AutoWake iOS App

I bought AutoSleep, Autowake and HeartWatch (all by Tantsissa) as a bundle.

While I believe that AutoWake and HeartWatch are excellent apps (and have reviewed them as such), I cannot say the same for AutoWake.

You can set AutoWake up to automatically wake you at a certain time for each day of the week. In my case I have it set to wake me at 7:00 Mon-Fri.

You can also override this behavior as needed, i.e. I disable the alarm if I am taking a day off work or have a holiday.

Its greatest advantage IMHO is that it is supposed to find a time when you are sleeping lightly near to your set alarm time and then tap your wrist to wake you up.

It more or less works most of the time. And when it works it works very well.

I have AutoWake added as a complication on my primary watch face (my ONLY watch face) as required and my phone sits charging on the end table beside my bed so there should be no reason for failure.

But the alarm has failed to go off in the morning 4 times over the past two months. This might not seem terrible, but if you need to catch a plane the next morning – which I sometimes do – I don’t want my alarm to be flakey.

What usually, but not always, happens is that the alarm will go off later in the morning, 9:40 and 10:20 AM are two times that I recall specifically.
This morning it just didn’t go off at all.

I will be deleting this app and falling back to the Apple Watch’s built in alarm.

McDonald’s iOS App

I’m pretty enthusiastic about
1) McDonald’s, and
2) Apps that can simplify my fast-food ordering experience.

IMHO the Chick-Fil-A app came out of the gate working exactly the way ALL fast food apps should work. It’s intuitive, pretty much bulletproof, and every Chick-Fil-A restaurant I went to understood what to do when you showed up with a mobile order.

McDonald’s Menu in iOS App

Admittedly the McDonald’s app has come a long way from the days when it would just discard my credit card information and it’s been a while since I’ve visited a McDonald’s that was hopelessly confused with what to do with me and my order.

Having the curbside, drive thru and take out options are great and I’ve used each option for different circumstances (nice to have the curbside when you order food for a lot of people).
However, the app itself still leaves much to be desired:

  1. The order cart never seems to empty after I’ve picked up my order. Obviously the back end knows I’ve claimed the order since they’ve charged me the correct amount, provided the correct order and given me a receipt indicating such. 
  2. There is NO WAY TO EMPTY the cart when it’s stuck like this. Trying to just delete all the items yields interesting results to say the least. Basically it trashes the order you are now trying to make.
  3. I have now resorted to just deleting the app wholesale every time I want to use it again (and see stuff still in the cart) and re-download it from the App Store. This works very well to clear the cart without completely losing everything. How it remembers me and my payment information after removing and reinstalling the app I try to ignore as it seems to be a security hole.
  4. The user interface breaks my number one rule. When I go back from a screen, I need to end up on the screen I came from in the same state it was in when I left it. Every time I select something and add it to the cart, I’m brought back to the beginning of the top menu.  If I want to order two kinds of sundae I can’t order one and then select the other one. I end up hunting for the desserts menu and then choose my next Sundae. 
  5. It always defaults me to the closest restaurant
  6. I can’t *tell* you how long it took me to figure out how to find my list of “Favorited” restaurants. This is not intuitive at all. Most of the time when I’m ordering from a McDonald’s I’m heading somewhere and want the restaurant nearest to that destination so the food will be as fresh as possible. This is not something this app excels at.

It would be nice if I could have a blacklist of McDonald’s restaurants. There are some that I will not go to even if they were the last ones on earth. My nearest one I’ve never managed to get an order from. I’ve lived here for well over 20 years and have never made it all the way through the drive thru line. I don’t even know how they stay in business but after about 10 minutes of just sitting in place, I drive away and go elsewhere. I try it every 4-5 years and it’s always the same. 

HeartWatch iOS App

I bought AutoSleep, Autowake and HeartWatch (all by Tantsissa) as a bundle.

HeartWatch Today View

While I wasn’t originally looking for a separate Heart Rate app, HeartWatch had excellent reviews and looked like it would appeal to a stats geek like me.

I’m super-impressed with it. I actually use it over the the included Apple Exercise app because I like capturing my HR recovery explicitly after a workout.

There is no shortage of stats you can review: Average and Maximum heartrate while exercising, (separately) while sedentary, and while sleeping.

I especially like the history calendar where you can look at nearly 2 months worth of each stat individually and see how things are changing over time.

I’m very pleased with this quasi-impulse purchase!

AutoSleep iOS App

I bought AutoSleep, Autowake and HeartWatch (all by Tantsissa) as a bundle.

AutoSleep Clock View

AutoSleep has absolutely met my expectations, I used to use FitBit’s sleep function and before that my Jawbone UP!’s app.

I did the most research around the Jawbone app and found that it was *very* accurate and was happy with it. If only the hardware was a bit more durable. The UP! wristband kept failing after around 6-8 months.

Next was FitBit, I got a good deal on a FitBit Charge HR 2 through my work and have been using it for well over 2 years. I felt it’s sleep recording was nowhere near as accurate as the UP! but it was good enough for a gross relative estimate of how I’m doing night by night.
I picked up an Apple Watch Series 4 and, after a bit of research settled on AutoSleep.

Wow.

In addition to it being at LEAST as accurate as the UP! (blowing the FitBit completely out of the water), it has more stats and tweaks than you can shake a stick at!

I admit it was initially overwhelming and I pretty much ignored all but the most basic stats at first. But after a few days I got my bearings and started to see what it’s capturing and how it relates to the real world. I’m *very* impressed with this app. 

If you forget to tell it you’re going to sleep it does an excellent job of figuring that out on its own. If you want to tell it when you’re putting your head down (to figure out how long it takes you to fall asleep once you start trying) you can do that too.

It sends me a nice summary of my night’s sleep at 10 AM the next day that helps me stay aware. And it detects naps with great accuracy so those properly count when evaluating your fatigue. 
Excellent purchase and HIGHLY recommended!

Tesla – 18 months in

I picked up my Tesla Model X 75D in July of 2017.

We walked into the Tesla Showroom in the Avalon on impulse as it was on the way to another store that Michelle was wanting to check out.

At the time I had zero awareness that Tesla was producing an SUV and, frankly, only a dim awareness of what they were trying to accomplish, period.

I had bought my 2009 Honda CR-V used about 6 years earlier and was not really thinking about a new car quite yet. I usually prefer to drive my cars for 10+ years before I start to chomp at the bit for a new one.

But this car was checking off all the right boxes:

  • Large, comfortable interior
  • Room to carry significant amounts of stuff when needed
  • Room for 6 people comfortably
  • 200+ miles range (well, I would have been happier with 300+ but… you can’t have everything)
  • One of the most technologically advanced cars on the planet
  • (recently proven) the safest SUV in America and quite possibly globally

So, after some significant soul-searching and not just a little bit of math (helped a LOT by this guy), I put down my deposit and ordered a new car.

As luck would have it the car would take a couple of months to produce and I had a pressing need to get the car sooner. So we explored the Tesla inventory – basically cars that had been ordered and were either being used for test drives or, for whatever reason, that the folks ordering decided not to take. Because I was taking an existing inventory vehicle, I was able to get it for a pretty significant discount (> 10%). I also ended up with a feature that I had not intended to get but now love: the Self-Presenting doors.

I also had not intended to get the Premium Sound System and, truth be told – since I mostly listen to podcasts at a modest volume, can’t tell if this is any advantage for me or not.

In case you’re wondering, “75 D” means I have a 75 kilowatt hour battery and dual motors – one at the front and one at the rear.

Together those motors offer me 518 Horsepower where the wheel meets the road as well as instant and unbelievable acceleration for a 5,000 pound car.

With the Tesla Supercharging network in place, I can go most places in North America (wherever there are interstates) with zero planning whatsoever. Tesla was the first Electric auto maker to make this a reality.

I have travelled from Fort Meyers, Florida, to just South of Algonquin Park, Ontario and as far East as Virginia Beach. I still haven’t found a reason to travel out West, but I’m sure I’ll come up with one.

The car is a dream to drive and has rekindled my enjoyment of driving. Dare I say it’s even more fun than the motorcycles of my youth?

As icing on the cake, the Autopilot features (really driving assist) are wonderful for taking the edge off both long-haul trips and traffic jams where the car can do the bulk of the more monotonous driving and the fiddly stop-and-go nonsense and leave the fun parts to me.

I had a fellow comment to me that he had looked at the Tesla but didn’t feel the fit and finish was what he expected for a car of that cost. Since I had not been born with a silver spoon in my mouth I did not have those sensibilities or expectations. But regardless, he completely missed the point. With a Tesla, you’re certainly paying a premium, but that premium is for the points I outline above.

Beyond that, I absolutely understand that part of what I’m investing in is the future of the automobile, the future of energy and hopefully the future of the planet as a whole. There is so much innovation happening on so many fronts *just* with Tesla (Car Sales, Feature Upgradeability, Automotive Safety, Autonomous Driving, Energy Efficiency, Travel Energy Infrastructure, and on and on) that I am absolutely willing to support that. Then consider the other Elon missions out there, SpaceX being my next favorite, and I am happy that I can contribute in some small way to shake up as many industries as possible and maybe even help reset some of our industrial and exploration priorities.

I was *very* nervous when I made this substantial commitment. Prior to this I was always a “top-of-the-bottom-of-the-line” kind of guy. The luxury car had no appeal to me. But this is one package deal that I absolutely do not regret.

It looks like this is the year of the Box Elderbug

I’ve lived in Indian hills for over 20 years now and it seems each year seems to “feature” a different insect as the king for that year. In past years it has been millipedes, potato bugs, Stink Bugs, etc. It’s usually something harmless but still noticeable when you’re doing chores outside. A couple of months ago we found one or two of these guys in our house and lately we find one or two a day. Today I found a large number (hundreds) sunning themselves out back on my shed. Is it safe to say that I’m not the only one seeing Box Elderbugs as “King” this year?