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by EagertoLearnMore
Wed May 20, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3063

Re: Just used my chip credit card for the first time!

Not many stores actually have chip-enabled readers. Walmart is one that does and it works well. One thing though - you have to leave the card in the slot for a brief time to actually complete the transaction. It is not a simple slide in/out move as you do at gas pumps.
by EagertoLearnMore
Tue May 19, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Comodo Firewall Software
Replies: 0
Views: 109

Comodo Firewall Software

The price is right - free, but the latest version of Comodo Firewall is definitely more problematic than helpful. It installs Geekbuddy as part of the download and there is no option not to install it. The Firewall was certainly not as user-friendly as past versions and created conflicts with softwa...
by EagertoLearnMore
Thu Apr 30, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Summer college credit courses for high school students
Replies: 24
Views: 1557

Re: Summer college credit courses for high school students

Do you have any idea which college the student will attend? Because some colleges/universities have online information that discusses in great detail what courses can be subsituted from a community college to their university. USUALLY courses for the MAJOR are not accepted in lieu of taking the cour...
by EagertoLearnMore
Tue Apr 28, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: DIY distance moving
Replies: 37
Views: 2600

Re: DIY distance moving

Yes you can do it with assistance at each end. I have been looking into this too. Penske is associated with a company that provides labor. Minimum charge of 3 hours. If you want more detailed information you may PM me.
by EagertoLearnMore
Sun Apr 12, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 17
Views: 1719

Re: LiveWatch Alarm System -anyone?

Several houses ago and before installing a security system we had a large dog. I can tell you firsthand that the dog was not a deterrent. In fact the police stated that we were fortunate that the dog did not attack them, but only barked because they have seen dogs blinded with oven cleaner. Our dog ...
by EagertoLearnMore
Sun Apr 12, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4711

Re: How should I name my home Wi-Fi network?

I can see the names of various people in my neighborhood or they use their address. IMO this is not a very good idea. Use something that will not identify you or your address.
by EagertoLearnMore
Sun Apr 12, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2080

Re: Unsolicited offers to buy your house

Have you tried "googling" the phone number to see if it is listed as a realtor? If it is a realtor you could sign a paper giving them a percentage commission for bringing a buyer, but only that buyer. This worked for us. A realtor showed up and said he had two buyers to show the house. We ...
by EagertoLearnMore
Fri Mar 27, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 1069

Re: Best portable mattress/bed?

Aerobed makes a high quality queen size with an attached headboard which prevents yours pillows from falling off. Costco carries this item. Comes with self-contained electric pump.
by EagertoLearnMore
Sat Mar 14, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 5477

Re: Cleaning my back yard?

Absolutely use "Wet and Forget." That stuff works wonders and dries up the moss. And I also agree with previous poster that Costco has the best price for the largest size container.
by EagertoLearnMore
Sat Mar 07, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: required info on personal checks
Replies: 15
Views: 1162

Re: required info on personal checks

Two years ago the Dept. of State returned my request for PASSPORT renewal because I sent a check with only last name and no address on it. They said I needed to send a check with my full name and street address. After I went through all my old checks, I found one for an account that was still open t...
by EagertoLearnMore
Sun Jan 25, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1425

Re: Can't access Turbotax Online from Vanguard site

I just called Turbo Tax Customer Service number and they only thing they can do to help is to have the customer access TT directly without going through Vanguard. Their position is that the problem belongs to the Vanguard side of the server issue, not Intuit's. I guess Vanguard will be getting a lot...
by EagertoLearnMore
Mon Jan 19, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 4127

Re: urgent: how to identify top surgeons for a procedure

U.S. News & World Report - Best Surgeons
Here is the link for Philadelphia:

http://health.usnews.com/doctors/surgeo ... delphia-pa

Best of luck to you for a successful surgery.
by EagertoLearnMore
Sun Dec 28, 2014 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 8793

Re: Best Online Savings bank

AMEX has an online savings account. The interest is not quite as high as Ally, but if you need fast and accurate ACH transfers AMEX is excellent. Use AMEX as the hub and link to other accounts.
by EagertoLearnMore
Thu Dec 11, 2014 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Other tax" on my NJ paystub
Replies: 3
Views: 449

Re: "Other tax" on my NJ paystub

Here is some useful info:

FLI --- Family Leave Insurance
HCS --- Health Care Subsidy (part of Disability)
WFD - Work Force Development (part of SUI)


I haven't lived there is awhile, but the taxes are deductible on your 1040.
by EagertoLearnMore
Tue Dec 09, 2014 7:39 pm
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 869

Re: woman's bathrobe gift

The biggest problem is sizing which seems totally random these days. Just make sure to estimate the approximate size and the ability to return it.
by EagertoLearnMore
Tue Dec 09, 2014 7:38 pm
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 2009

Re: Instruments and kids

TRC - I need a little more information. For example, does your child want to play in the school band? If so, a different instrument than playing with the strings in orchestra. Some instruments work for both the band and the orchestra, such as the woodwinds. If your child is serious, then private les...
by EagertoLearnMore
Mon Nov 03, 2014 3:37 pm
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3866

Re: LED Christmas lights?

We purchased LED lights last year at Costco. Very pleased with the look in white lights. We replaced white lights that we used for many years and wanted an upgrade. Costco NEVER lowered the price during the Christmas season and after Christmas the lights were shipped away and never reduced in price....
by EagertoLearnMore
Wed Oct 29, 2014 3:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1404

Re: Vanguard's Voice Recognition

The service works well and speeds up transactions, talking to rep. No problems with identification of voice during multiple uses.
by EagertoLearnMore
Fri Oct 24, 2014 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX chip EMV cards
Replies: 5
Views: 966

Fidelity AMEX chip EMV cards

I received a call from Fidelity AMEX today that my card was compromised and they are replacing it. I called back using the number on the card and they are replacing it with an EMV card (chip and pin.) I should be receiving it next week. Online the account already shows a new number and my last trans...
by EagertoLearnMore
Sun Oct 19, 2014 12:11 pm
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1245

Re: Mold in dishwasher

Any porous substances with mold should be discarded. Is the water hot enough in the dishwasher? Is your water heater set high enough? Is the dishwasher LEVEL on the floor to allow for proper drainage. Are you using the "dry" setting to evaporate extra water or just "air drying?"
by EagertoLearnMore
Wed Oct 15, 2014 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 1895

Re: Samsung or LG Washer and Dryers (reliability and repairs

+1 for LG Front loading washer and LG gas dryer.
Remember to clean the washer's filter occasionally.
by EagertoLearnMore
Fri Sep 05, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1244

Re: Issues with home inspector?

Did you receive any type of homeowner's warranty from the seller when you purchased? Not saying they are very helpful. We have had them in several houses and both times they were totally worthless. And to even start the process you have to pay to have someone look at the problem, so ask LOTS of ques...
by EagertoLearnMore
Thu Sep 04, 2014 7:55 am
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6637

Home Depot Breach - zip codes revealed

I have used several credit cards at Home Depot, but yesterday everyone in line was paying with cash. Krebs has reported a 99% correlation between credit cards for sale online and the zip codes of HD stores. Here is a link to the zip codes: http://krebsonsecurity.com/wp-content/uploads/2014/09/hd_zip...
by EagertoLearnMore
Tue Aug 26, 2014 4:50 pm
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 2080

Re: Moving to Eastern PA - need advice

I need to be near the airport for work travel, but I do not have to go into center city. I just do not want a long commute when doing business traveling, especially if I leave early in the morning. Does anybody live in one of the 55+ neighborhoods and have any experience with them? How is resale sin...
by EagertoLearnMore
Mon Aug 25, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with Chimney Saver protectivecoating?
Replies: 1
Views: 263

Re: Anyone have experience with Chimney Saver protectivecoat

Several houses ago we had a chimney that seemed to have a drizzle of water coming into the fireplace area. We had it inspected and everything was fine. We had the roof flashing looked at and it was fine. However, one of the many people we had investigate recommended coating the outside of the firepl...
by EagertoLearnMore
Mon Aug 25, 2014 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3375

Re: Death of family member - what to do financially

Have you read this website regarding probate in the state of VA? http://www.virginiaestatelaw.com/ Also check http://www.missingmoney.com for unclaimed money, property, safe deposit boxes. You will probably need to make a trip to visit to get this process started, but maybe reading ahead would help ...
by EagertoLearnMore
Mon Aug 25, 2014 4:13 pm
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 2080

Re: Moving to Eastern PA - need advice

Thank you for all the responses so far. I ruled out Bucks. I researched Chester Springs and saw a lot of well and septic. We have been through those problems with past homes and would like public water and sewer in the future. If I am looking at Chester County vs. Montgomery County are there things ...
by EagertoLearnMore
Mon Aug 25, 2014 11:44 am
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 2080

Moving to Eastern PA - need advice

We will be moving to eastern PA and would like some advice from Bogleheads in the area. Requirements: city water, city sewer and natural gas for utilities. School district not as important (except for resale) since we are past that stage. Another requirement would be no more than one hour from PHL a...
by EagertoLearnMore
Sat Aug 16, 2014 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 2739

Re: Europe travel: best card for ATM cash

ATM card from a US bank using a 4-digit numeric code works well in Europe. If it has a VISA logo, just go to the Visa website and look up all of the ATMs to use in the European cities you will visit. Never had any problems getting euros by using this methodology.
by EagertoLearnMore
Tue Jul 01, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 1602

Re: Building a home

Very broad question, but consider whether building on a lot outside of a development or within a development because you may have to drill a well, put in septic, source of heating. Without additional information there are so many variables, but you have many options depending upon the builders avail...
by EagertoLearnMore
Fri May 23, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: Cleaning Divided Light Windows
Replies: 4
Views: 339

Re: Cleaning Divided Light Windows

My method is using hot water and vinegar and microfiber cloths for washing. Try to wring out the cloth so it is not dripping wet. Then dry with clean microfiber cloth. I tried using the various implements, but they did not fit well between the divided windows and took too much time. Do not wash in d...
by EagertoLearnMore
Sun May 18, 2014 6:38 pm
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2276

Re: Hotel suggestions Washington,DC

I suggest staying in Arlington, VA and using the metro to get into Washington. The metro is very easy to navigate and you will not have to find parking in DC. There are several stops right near the Mall near all the museums.
by EagertoLearnMore
Sun May 18, 2014 6:35 pm
Forum: Personal Consumer Issues
Topic: Help with Kindle Fire HDX
Replies: 1
Views: 253

Help with Kindle Fire HDX

I purchased a Kindle Fire HDX and would like to use it for email when away from home. However, I am concerned about security and have read about free VPN such as hotspotshield. Does anyone know if something like that will work on a Kindle and if so, how do I do it?
by EagertoLearnMore
Mon Apr 21, 2014 8:16 am
Forum: Personal Consumer Issues
Topic: Turbo Tax Accuracy Guarantee Experience
Replies: 4
Views: 800

Turbo Tax Accuracy Guarantee Experience

Does anyone have experience using the Turbo Tax Accuracy Guarantee? I just received a letter from my state department of revenue indicating that there was an error in the amount paid for state income tax. I pulled out my TT forms and the correct amount was entered, but on another state form that car...
by EagertoLearnMore
Tue Apr 15, 2014 1:06 pm
Forum: Personal Consumer Issues
Topic: A Ceramics Question
Replies: 9
Views: 679

Re: A Ceramics Question

I would be careful about using various types of glue to seal the cracks if you will be eating from the bowls, not just decorative purposes. Chipped crystal stemware may be repaired, but a hairline crack all the way through may not be a good thing to repair to be used for hot soup again. Another onli...
by EagertoLearnMore
Fri Apr 11, 2014 10:52 am
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3901

Re: Passport validity: Do I need at least 6 months?

I can give you very recent experience with renewing a passport with only 6 months until expiration. Since it was a renewal, I sent photo, renewal form, check, and passport via USPS priority mail which carries insurance and tracking. I would suggest UPS or Fedex. My passport traveled all over the USA...
by EagertoLearnMore
Tue Mar 18, 2014 10:47 am
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 31
Views: 4916

Re: Viking River Cruises

The Rhine River cruise is excellent, but I was there during the early Fall. Just to let you know that the Christmas markets close for a few days around Christmas so there will not be much to see if that is when you are cruising. Luzerne, with Lake Luzerne, is a great place to visit as well as travel...
by EagertoLearnMore
Sun Mar 09, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: Costco travel for cruise purchase?
Replies: 11
Views: 3149

Re: Costco travel for cruise purchase?

I have used Costco several times for a cruise purchase and received much better prices than directly from the cruise line. Plus, if you are an "executive member" at Costco, you will get special perks reserved only for those cardmembers.
by EagertoLearnMore
Thu Mar 06, 2014 1:31 pm
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 24
Views: 7959

Re: PenFed v. Truecar v. BJs v. Costco auto buying

I have used Truecar and Costco. Costco provides a break on the price, but not the best price. Truecar allows you to be contacted by dealers and you can get them to bid on the sale. The Costco approach is more straight forward and no hassle. If you have any problems, Costco will help you. For instanc...
by EagertoLearnMore
Sun Mar 02, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 6323

Re: washing machine - front loader or HE top loader?

LG front loader washer and matching gas dryer. No problems, just leave door open and use "tub clean" feature monthly. The tub clean washes the machine drum with hot water and sanitizes the machine. In a prior house I owned a KitchenAid washer (made by Whirlpool). Normally I never purchase ...
by EagertoLearnMore
Thu Feb 27, 2014 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: custom build home financing
Replies: 8
Views: 798

Re: custom build home financing

Doesn't the builder want progress payments? If not, sweet deal for you. You get to keep your money during the entire construction period. Plus, the builder will stay on schedule because any delays will cost him more for financing. Does he include any penalties for you in this deal?
by EagertoLearnMore
Mon Feb 24, 2014 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug - Tax History Report UPDATED
Replies: 4
Views: 550

Re: Turbo Tax Bug - Tax History Report UPDATED

This is the answer from TT:

This report is not filed with your tax return it is generated only for your records, do not let this issue hinder you
from filing your 2013 tax return.

They obviously have a "buckets" accumulator bug and the totals are placed under the wrong year.
by EagertoLearnMore
Sun Feb 23, 2014 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Child heading off to college next year; banking checklist
Replies: 29
Views: 1156

Re: Child heading off to college next year; banking checklis

With the college ID cards, parents can add money to the meal plan as well as money for use doing laundry (no more quarters, insert ID card) and other functions. You can provide the funds, yet have some control over its use. The convenience of being able to do this from your computer is priceless.
by EagertoLearnMore
Sun Feb 23, 2014 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug - Tax History Report UPDATED
Replies: 4
Views: 550

Turbo Tax Bug - Tax History Report UPDATED

Has anyone looked at their tax history report using Turbo Tax? The "buckets" for 2013 for several categories show up under 2009 instead of 2013. Looks like a programming error and does not affect the actual tax return, just the tax history report. For example, 2009 shows a tax refund and a...
by EagertoLearnMore
Sun Feb 23, 2014 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Child heading off to college next year; banking checklist
Replies: 29
Views: 1156

Re: Child heading off to college next year; banking checklis

When your child gets online access to his college web site via his student id, see if he can provide you with "limited" access to pay bills at the bursar's site. Then you could ACH money into the bursar's account to pay for everything from medical expenses at the health center, transcripts...
by EagertoLearnMore
Thu Feb 20, 2014 8:58 am
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1601

Re: Downsizing: Single home to a condo

OP - regarding your leak with the chimney. We had a home with a leak and although the house was relatively new, we hired a roofer to flash and repair any problems surrounding the shingles near the chimney. No change, leak persisted. We then had a mason tell us to seal the entire masonry chimney on t...
by EagertoLearnMore
Wed Feb 19, 2014 3:49 pm
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1941

Re: Please Help Me Find A Doctor

Here is a place for all types of immunizations and locations in MA: http://www.passporthealthusa.com/locations/ma/ Just call, make appointment and get everything you need in one trip. Walgreens Healthcare Clinic does the same, but I checked and they are NOT in MA. Maybe some other provider might do ...
by EagertoLearnMore
Mon Feb 17, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 12277

Re: What are reliable refrigerator brands these days?

LG french door with bottom freezer. No ice maker in the door, but one in the bottom interior. Very nice looking, very reliable. I have had Kenmore in the past and would not purchase them in the future. I have had KitchenAid in the past and would not purchase them in the future. I would purchase LG a...
by EagertoLearnMore
Sun Feb 16, 2014 11:13 am
Forum: Investing - Theory, News & General
Topic: Having/Not having dividends & capital gains reinvested
Replies: 10
Views: 1077

Having/Not having dividends & capital gains reinvested

What is the Bogleheads philosophy on having/not having dividends and capital gains reinvested? Is it different for taxable vs. nontaxable accounts?
by EagertoLearnMore
Fri Feb 14, 2014 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: When is the 10% early distribution fee due?
Replies: 27
Views: 2503

Re: When is the 10% early distribution fee due?

Earnings from an IRA that is removed is considered earned in the year of the contribution, not the year of removal. So, for example, you contribute in 2013 for 2013 year. You remove in 2014, but do not get the form until 2015. The tax on excess earnings would be due for the tax year 2013. You can ta...

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