Dee D.

Level 4 Contributor

Contributor Level

Total Points

About Me

“Information is Not Knowledge”

How I Can Help

Book Collecting, Basic Finance and Budgeting. Consumer Information, Avoiding Scams. Self-Improvement.


Research Finance Travel

35 Reviews by Dee


Described as State of the Art and formerly used by H and R Block and the Walmart Foundation.
You get what you pay for in this case. The site took me round in circles after I identified myself and provided basic information.
I got absolutely nothing accomplished. I was never able to access a form or choose the simplified tax forms, or fill out the financial information that is on a paper version of a tax form. I got nowhere. I wasn't able to even come close to filling out the tax form. Just round and round in circles asking the same three questions.

Tip for consumers:
Skip it. Taxes are too important to mess around with this.

Products used:
This site is supposed to be a Legitimate and free filing option if you use simplified Tax Forms and just want to receive your refund or credits or Stimulus Payments.


A major respected publication said:
" has the most free information available, providing useful data including recalls, safety ratings, original specifications, warranty, and more"
A general overview of the car model and specifications. Nothing about the history of the individual car.


Website ok-good. Online Appointment Fast. Locations Many. Experience at Lab OK! (which was at a Medical Building). Cost Fantastic. Results Very Quick. Customer Service Lacking.
Special FDA authorization during CoVid-19 Pandemic has allowed us regular consumers, without a doctor, to obtain a blood test to see if we'd ever been exposed to this devastating illness (before getting our vaccine.)
They are evidently involved in developing drugs, doing lab tests, drug tests for employers, and clinical trials. This is not my field. That's all I know. Lol
CS: When I used the email form to ask customer service why the LabCorp location had incorrect information about myself or my demographic on my Lab Results form, the question was ignored. Almost a month later, I still have no answer. Instead I received an email about their clinical trials, which I have Zero interest in.

Tip for consumers:
Be patient as you sign-up at their portal. After that everything is easy and painless. Evidently they contract with many professional labs. I am grateful to our Government and the FDA and CDC for this option during the Pandemic. Information is power.

Products used:
CoVid AntiBody Test

Verified purchase

Needed a Power Bank for my many devices because I'm now an avid audiobook fan and podcast listener.
I'm never bored.
Calls to AAA and other Battery Services have taught me *Not to use my vehicle for charging devices.
I own Tiny speakers, Hotspot, iPhone. Even my Booklight is powered.
Griffith Technology also sells at the major electronics stores and through the national shopping portals. (Legit.) Reviews are Few. Prices are good.
Very professional. A refund was immediately issued because "the product is currently out of stock". When I pointed out that the product is still being offered on their site, I received an immediate answer. (Customer Service)
"Shipping fees are non-refundable, and you will be responsible for return postage."
Use Visa, Master Card, American Express, Discover, JCB and Diners Club. Also use PayPal, Apple Pay, Google Pay and Amazon Pay.
Overall, why not? I will probably try them again in the future.

Tip for consumers:
Nashville, TN-based consumer electronics company which “designs, manufactures and sells accessories for personal computing and digital media.” Est. 1992.

Products used:
Unavailable Power Bank

Verified purchase

Update II: No response from BBB and they are not approved by the organization. They appear to be incorporated out of Delaware and based in Hong Kong. So the local addresses of "warehouses" are evidently fake.
Update I: Impossible to get a Refund despite Five attempts so far. My refund was approved.
Will have to make a formal complaint with CA Consumer Affairs and BBB.
Sometimes you need 3 or 4 tunic top coverups for leggings that are cheap and casually wearable.
I brought 3 for summer. They were not very well made. If the loose-fitting tunic fits, the shoulder area may sag. Loud colors, cheap polyester. Not very dignified clothing. I live 45 minutes away from the purported address in California [345 Baldwin Park Blvd, City of Industry, CA 91746-141] and it still costs too much to send them back. But I did.
[USPS was a dollar cheaper than Fedex or UPS. So I was able to conduct that little experiment to find out which is cheapest: None are really worth it for micro-businesses]

Tip for consumers:
Affordable Casual Women’s Wear.
Returns at your own expense, and risk.
You will get approved for a return, but you won't be refunded.

Products used:
I kept one tunic dress, which I have never worn.


Great value! I bought 4 books. All in beautiful condition and wonderfully affordable. The site is user friendly. Good packaging. No glitches whatsoever.
Just ordered another two books.
Update: ""Note from New Jersey Vintage Books: [DBA] I am so very sorry we couldn't locate these books."" ect
So both times I ordered, there were books not found. For this reason, 4-stars instead of 5.

Tip for consumers:
The site provides information about the condition of the books, the edition, ISBN, publisher and so forth. Use PayPal or a card. Rather rare books. No DVDs or CDs.

Verified purchase

I purchase books at least once every month. Always have. I look everywhere: eBay, university presses for collectibles, AMZ, Canada, UK, ect. So far the prices at secondsale are Fantastic, with free shipping, prompt delivery, good customer service and great quality.

Tip for consumers:
Nice alternative book buying site.


There are a number of videos to guide you.
I would have to watch them numerous times before I would invest in this step to protect my brand and logo. I feel strongly about my "brand" because it reflects the interests of a lifetime.
Most of us will have to have our own business to survive and thrive and this is a good step to take at some point. It is not simple nor cheap, but FAR better than having to pay a lawyer for this service.

Tip for consumers:
The site is thorough and deserves to be studied closely now that many of us have more free time.


I discovered this site indirectly through a state government site for Covid-related benefits. Governments have evidently authorized them to create, and turn over to agencies, MUCH more user-friendly applications for government benefits.
Purportedly they are a non-profit almost on a par of excellence with such nonprofits as Peace Corps or Doctors Without Borders. They seem to be making an effort to make our bloated bureaucracies accessible to average citizens, whose experiences nowadays would make the scenes in the books by Franz Kafka seem like a paradise by comparison if you know what I mean. In these times, one ordinary victimless mishap can render you (who live HERE and have been tracked from birth) ‘socially dead' for life: unqualified for jobs, education, benefits, loans, housing — in short, Life.
They are also involved in expunging those ridiculous convictions for marijuana possession and other "crimes" if I understood correctly. "Giving people a second chance to get jobs and housing by clearing past convictions." [600K - the number of people arrested for weed possession in 2016. "In the U.S. today, 1 in 3 people have a criminal record that appears on a routine background check."] What kills me is they literally make Americans pay for the costs of their petty convictions and being locked up, from what I've been told repeatedly.
But is there any privacy? All the personal data and income and SSNs you're giving up? I didn't see a single word about that.

Tip for consumers:
Their site appears to be Government but it is not. You will find out in the End of the application.


A product review site which was acquired by the New York Times in 2016.
Their "final recommendations" are not always 100% Great but the information and analyses are presented in a such manner that you can make a sound decision based on your own situation.
For instance Wirecutter may say "I'm not going to waste your time. Get the iPhone or iPad (or Samsung for its camera)."
"On the iPad get Verizon already embedded." Insane idea! You pay an extra $100 for this amenity upfront plus potentially unaffordable data. I used $30 worth of Verizon data on my iPad in one day - just checking email and the prices of things at thrifts shops.
Now I use my phone's VERY slow connectivity. Internet where I live is only satisfactory at a company, or public venue WiFi. Even people who have tons of money still go to the coffee shops and libraries for acceptably fast internet.
Wirecutter gives you detailed information regarding how they arrived at their recommendations. The products they review are varied, continually updated, very practical. For cars, travel, independence, health, safety and for having your own business.
For example: Take a look at this; it's everything you need to know!
"The Best Cleaners, Wipes, and Homemade Disinfectants for the Coronavirus


And 3 of the 4 reviews had similar dates... A little suspect maybe? They are now selling Face Masks. I am not sure of their trustworthiness.


The IRS itself is stellar.
However if you click on to one of their embedded e-file options, now privatized, you are probably not filing any returns, but instead just giving these companies all of your personal information.
I chose ezTaxReturn for my simple return and went through a "walkthrough" of questions and answers on the form. It took about 20 minutes.
Afterward I received repeated emails saying, "File Your Taxes. File From The Safety of your Own Home"
What? That's what I just did a week and a half ago! You know, like when you go to H&R Block.
So frustrating. I feel like a fool.
I provided all of my personal information, SSA number, address, finances, and I accomplished Nothing.


My interest rate is 20.50% even though my payment record is 100% - yes, Perfect - and my credit score is normally excellent. (Sure when I was very young I made credit errors like everyone else -- over 30 years ago. My score consistently goes DOWN to maybe 742 from 786 when I PAY OFF all debts and end up with balances of Zero. Crazy, right? That's the scam.
As far as Customer Service, they are OK, but I would avoid them! They will punish you for negative ratings of their apps and their card. I still don't know how they switched me from 15 years to 7 years length of credit, which never changes, year after year, and I'm not going to ask them. (I'm not worrried about this review because I am prepared to close the account if I encounter further problems.)
Discover take too long to post payments, resulting in larger interest charges. In my case I normally pay off my balance each month. The exception was when, by necessity I had to deal with smog requirements on my Vehicle in CA, and to avoid continual police stops, I ended up with a debt of close to $4K. (My car is worth about $700. Anyway...)
So if you do get the card, do not use it to utilize actual credit. Only get it to record your purchases, budget your money, or to round-out your credit profile in order to raise your score. This is would be a good opportunity to practice your skills at negotiation and compromise re interest rates and credit increases.
I changed it from two to three stars because they are fairly typical of Credit Cards -- in my profile at least -- these days.

Products used:
Only Discover It Credit Card - not the banking, ect.


I have purchased eight or more pieces of silver jewelry. At least half of them are definitely NOT silver. You will find this out after having the jewelry sit in your jewelry box for a while.
Real Silver Does Tarnish (black spots) Contrary to What Most People Believe). Many, if not most of the vendors claim to have acid-tested the metal to confirm that they are silver, but this is not true. As for buying books (mine comes through Amazon with the returns usually guaranteed) or leather bags where you are VERY familiar with the brand I imagine that could work out well. Prices are nothing to write home about on most online auctions imho.


In addition to their other robo-investment offerings, Wealthfront now has a "Cash Account" with an interest rate of 2.57% APY. The account is FDIC insured up to $1 million. It only takes $1 to open. There are no additional requirements. So this is the account I was interested in. When I opened it and linked my checking account, ALL of my accounts, credit cards with that particular bank, and presumably all of my banking transactions flowed into the Wealthfront Account! I was surprised. They have free financial planning software to help you track your spending. I had thought it was just another savings-type account!
Following is doctorofcredit's summary. (I have never known doctorofcredit to be deliberately inaccurate or not to correct or update information.)
""It's not technically a bank account, rather a brokerage account which holds the funds in an FDIC accounts (hence the ability to have up to $1M, more than FDIC limit of $250k). Looks like currently it's more of a savings account than a checking account since they don't offer a debit card, bill pay, check writing, etc, though they are considering adding those things. You can see their FAQ here. An advantage this has over savings accounts is that there is no limit to the number withdrawals per month.""


An ugly and uninviting site. It looks like a sheet of typed paper from an elder typewriter. Copied and pasted general information. In my mind, the site is trying to mimic an authoritative site like The difference is, the information is not accurate, nor is it up-to-date.


Remaindered and popular books movies and music. Very fair pricing. Set shipping price. No problems WHATsoever. Returns are simple. I have been ordering from them off and on for decades without a single complaint.


I have been very lucky in that *ALL* of my interactions with over the years have been extremely professional, helpful, understandable -- totally lacking is that robotic frustration-component one usually experiences from bureaucracies.
They have been doing this a long, long time.


... because you may spend the next 6 months or more filtering out filthy porn from your formerly pristine business-government-related email box before you can finally get rid of it forever.
I have had this experience three different years. The only years I did not have this issue was when I was in the process of moving and forgot to order my annual credit report as is my custom. I NEVER have this problem with my business address. And I NEVER have this problem when I fill out the form and simply mail it in and wait for it.
Typically people will go to to get instant, printable downloadable access to their 3 credit reports (if your address or other vital information has not changed). You will be INUNDATED with porn after clicking "submit" on Experian. The problem is probably embedded in the Terms and Conditions which no one reads.
Please let me know if you also have a similar experience.


Terrible. Continual problems with "dropped internet" which I had never experienced before, where your data is on, and paid, and active yet you receive a message to "please turn on cellular service in settings ". Of course I reset the network settings and reboot, ect. This is Southern California. Awful for the Web! The data uses up quite fast as well.

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