Grocery stores nickel and diming us by overcharging

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FelixDeCat

Lifer
Aug 4, 2000
29,163
2,034
126
It is also tied to your credit report. Lower rating = higher premiums.
I was thinking about that last night. Im a whisker under 800 and over 800 late last year.

But then I have had three credit bureaus frozen since 2020 and only temporarily thaw them for new credit. I wonder if the freeze is somehow having an impact. I kind of doubt it because bureaus might be able to sell a score without giving access to a file.

I was also watching a video not to long ago about auto makers selling driver habit data to people like Lexis Nexis without consent! Lexis Nexis develops a driving score they sell to insurers based on your driving habits (driving over the speed limit, hard braking, quick take offs). Automakers try to promote that always linked antenna on your car as safety and convenience feature but its a data goldmine for them.


In the article / video they gave a link where you can request what kind of data Lexis Nexis has on you:

 
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FelixDeCat

Lifer
Aug 4, 2000
29,163
2,034
126
After more searching it turns out this is likely going to lead to class action lawsuits due to higher premiums for not opted in data sharing. Hyundai will not let you opt out at the moment (the page that was available to opt out of driving data sharing is now disabled).

Anyway, here is yet another data broker you can request your driving profile from:


1711897270245.png
 
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Thump553

Lifer
Jun 2, 2000
12,671
2,424
126
I was thinking about that last night. Im a whisker under 800 and over 800 late last year.

But then I have had three credit bureaus frozen since 2020 and only temporarily thaw them for new credit. I wonder if the freeze is somehow having an impact. I kind of doubt it because bureaus might be able to sell a score without giving access to a file.

I was also watching a video not to long ago about auto makers selling driver habit data to people like Lexis Nexis without consent! Lexis Nexis develops a driving score they sell to insurers based on your driving habits (driving over the speed limit, hard braking, quick take offs). Automakers try to promote that always linked antenna on your car as safety and convenience feature but its a data goldmine for them.


In the article / video they gave a link where you can request what kind of data Lexis Nexis has on you:


Thanks-I think. I just did the Lexisnexis request for personal info/opt out/etc. They respond by snail mail "within the period allowed by law." Hopefully I didn't make a mistake by making this request-they required every significant bit of data-DOB, SSN, phone, address, etc.

BTW I have the Progressive system in our cars now and my wife and I absolutely hate it. We are both violation/accident free for many years, maybe even decades. We drive Prius' and both of us are pretty typical Prius drivers. Until retiring a few years back I consistently drove 30-35k miles a year. The Progressive system reports lots of heavy braking for both of us-which from my observation is any braking more severe than beyond just regenerative braking. My wife has even knocked down one or two heavy accelerations which is a near impossibility in a Prius.
 
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MtnMan

Diamond Member
Jul 27, 2004
8,745
7,859
136
Publix (located in 8 southeastern states) has a policy that, if an item rings up exceeding the shelf or advertised price, you get 1 of that item free. If you had more than 1, the rest will be changed to the advertised/marked price.
Harris Teeter has similar policy
 

brycejones

Lifer
Oct 18, 2005
26,094
23,968
136
Thanks-I think. I just did the Lexisnexis request for personal info/opt out/etc. They respond by snail mail "within the period allowed by law." Hopefully I didn't make a mistake by making this request-they required every significant bit of data-DOB, SSN, phone, address, etc.

BTW I have the Progressive system in our cars now and my wife and I absolutely hate it. We are both violation/accident free for many years, maybe even decades. We drive Prius' and both of us are pretty typical Prius drivers. Until retiring a few years back I consistently drove 30-35k miles a year. The Progressive system reports lots of heavy braking for both of us-which from my observation is any braking more severe than beyond just regenerative braking. My wife has even knocked down one or two heavy accelerations which is a near impossibility in a Prius.
Yeah I tried progressive and decided their “safe” driving turned one into a rolling roadblock who can’t react to traffic without getting dinged.

TLDR it was bullshit and encouraged driving that was actually dangerous in SE Michigan
 
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sdifox

No Lifer
Sep 30, 2005
94,976
15,111
126
LoL never understood why people will sign up to be spied on by insurance company.

<--- was involved in implementing telematics for a insurance company. Raised doubts about rate of return.
 
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DAPUNISHER

Super Moderator CPU Forum Mod and Elite Member
Super Moderator
Aug 22, 2001
28,469
20,515
146
Organic grass fed beef is 3 1lb packs for $14.94 18 pasture raised eggs are $5. That's the cheapest they have ever been here. Both were always $8 a lb or carton or more. $4.98 for a huge rotisserie chicken. You know how many dishes you can use it in? Under a $1 a can for Bush's dark red kidney and black beans. The ultimate Pub sub of the week is usually $6 now. You can get 2 meals out of it. Aldi has stuff like frozen green beans for $.97 a bag. I could go on and on. Either my area is an anomaly or people have no clue how to shop.
 

hal2kilo

Lifer
Feb 24, 2009
23,424
10,317
136
Yeah I tried progressive and decided their “safe” driving turned one into a rolling roadblock who can’t react to traffic without getting dinged.

TLDR it was bullshit and encouraged driving that was actually dangerous in SE Michigan
They cause accidents because people are trying to get around them.
 

DaaQ

Golden Member
Dec 8, 2018
1,310
944
136
Thanks-I think. I just did the Lexisnexis request for personal info/opt out/etc. They respond by snail mail "within the period allowed by law." Hopefully I didn't make a mistake by making this request-they required every significant bit of data-DOB, SSN, phone, address, etc.

BTW I have the Progressive system in our cars now and my wife and I absolutely hate it. We are both violation/accident free for many years, maybe even decades. We drive Prius' and both of us are pretty typical Prius drivers. Until retiring a few years back I consistently drove 30-35k miles a year. The Progressive system reports lots of heavy braking for both of us-which from my observation is any braking more severe than beyond just regenerative braking. My wife has even knocked down one or two heavy accelerations which is a near impossibility in a Prius.
I read an article in the Google news feed, it was specifically about Chevrolet, selling driving data to companies that then sell it to Insurers.

I need to get my 03 Explorer back on the road.
 
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WilliamM2

Platinum Member
Jun 14, 2012
2,370
478
136
This was years ago, 15 maybe, you completed the transaction and turned around and went back to register or service desk, showed them your receipt then got the bounty of it was either 5 or 10x the price. Again, prior to 2003.
Michigans law, went into effect way back in the 80's, and was 5x the difference, no more than a $5 penalty. If it was more than $5 difference, you only got the difference, no penalty.

Changed in 2011 to this:
  • The seller must refund you the difference between the amount charged and the price displayed. The seller may also choose to pay you a “bonus” of ten times the difference. The bonus must be at least $1.00 but it may not be more than $5.00. This must be paid within two days of receiving notice of the overcharge.
  • If the seller does not pay you both the refund and the bonus, you may bring a lawsuit to recover your actual damages or $250.00, whichever is greater, plus reasonable attorney fees up to $300.00.
  • You may instead choose to file a complaint in a small claims court without an attorney.
 
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FelixDeCat

Lifer
Aug 4, 2000
29,163
2,034
126
You pay for your insurance by the month? You must like service fees...
I put it on the Fidelity credit card for the 2% cash back, then pay that off in 30 days to avoid interest. It comes out to $1000 for six months when paid in full at once. It was only $800 six months ago. :(

I have officially told Hyundai to cancel all Blue LInk services which is the only way to disable data sharing (for now). That means all the app features like remote start, remote climate control (heating and cooling), car notifications of alarms or unlocked doors, fuel level, engine status are all gone now. Also gone are OTA updates and assisted anti theft and emergency features that were all free for the first 3 years.
 
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Dec 10, 2005
24,063
6,861
136
I put it on the Fidelity credit card for the 2% cash back, then pay that off in 30 days to avoid interest. It comes out to $1000 for six months when paid in full at once. It was only $800 six months ago. :(

I have officially told Hyundai to cancel all Blue LInk services which is the only way to disable data sharing (for now). That means all the app features like remote start, remote climate control (heating and cooling), car notifications of alarms or unlocked doors, fuel level, engine status are all gone now. Also gone are OTA updates are features that were all free for the first 3 years. But fuck privacy invasion.
GEICO charges more if you pay per month vs every 6 months in full. I'd image that most other insurers are the same.
 
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WilliamM2

Platinum Member
Jun 14, 2012
2,370
478
136
GEICO charges more if you pay per month vs every 6 months in full. I'd image that most other insurers are the same.
I've never had one that didn't charge extra for instalments.
I put it on the Fidelity credit card for the 2% cash back, then pay that off in 30 days to avoid interest. It comes out to $1000 for six months when paid in full at once. It was only $800 six months ago. :(
So put the whole amount on a CC, get the 2%, and save the monthy service charge for installments.
 

FelixDeCat

Lifer
Aug 4, 2000
29,163
2,034
126
I've never had one that didn't charge extra for instalments.

So put the whole amount on a CC, get the 2%, and save the monthy service charge for installments.
Thats what I have done for years. I gave the monthly break down above for comparison sake only, I've never paid monthly.
 

manly

Lifer
Jan 25, 2000
11,006
2,126
126
GEICO charges more if you pay per month vs every 6 months in full. I'd image that most other insurers are the same.
I renewed a Mercury Insurance auto policy the other day, and they even try to trick you into accepting installments. At a glance, I thought to myself the payment in 2 or 3 installments looked cheap, so that can't be right. Full payment was $554; but the option for 2 payments said something like $270.

I drilled down into it and not only is there a $6 finance charge per installment (so 6 payments is the worst option), the second payment (of 2) was something like $300. By prominently making the first payment smaller (but hiding the fine print), some people will unwittingly choose installments.

I've always been familiar with loan payments as equal every month, so this was a sly trick. Even Zip.co, a BNPL provider on Newegg, charges a flat $6 finance charge for the ENTIRE transaction and all 4 payments are equal.

It's not enough that institutions milk you with junk fees, but they will do so by hook and crook to maximize profits. Unfortunately, this policy for my mom is still cheaper than Progressive so I grudgingly renewed. I don't think I'm yet willing to switch to a pay-per-mile auto insurer; those install a GPS tracker into the car's OBD2 port.
 

[DHT]Osiris

Lifer
Dec 15, 2015
14,088
12,180
146
LoL never understood why people will sign up to be spied on by insurance company.

<--- was involved in implementing telematics for a insurance company. Raised doubts about rate of return.
USAA cuts me 30% off for their little spyware. I take it, that's not an insignificant amount of scratch and I'm almost always at 100/100 or whatever.