Search found 573 matches

by mbres60
Thu Jul 30, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1745

Re: Fed UP With Fed Ex

The problem is either with the packaging or the way it was packaged OR it could be FedEx but not necessarily the driver. The damage could have happened anywhere within the system. When the driver got the box he probably figured he better deliver it and if the recipient had issues they would call the...
by mbres60
Sun Jul 26, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Mom - I'm Concerned About Her Advisor
Replies: 24
Views: 1812

Re: Helping Mom - I'm Concerned About Her Advisor

I too agree that her advisor needs to go. This advisor is making a lot of money off your mother. Some people who are not financially savvy think it looks impressive to have lots of funds. That might be one reason the advisor put her in so many. All that is needed is the 3 fund portfolio - total stoc...
by mbres60
Sat Jul 25, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

Re: OTR Microwave [Over The Range]

When we remodeled our kitchen we put a powerful hood over the stove that vents to the outside and then built a shelf into the upper cabinets for a microwave. I don't think a microwave over the stove can ever vent as well as a good hood that is designed for that purpose. I have learned this is corre...
by mbres60
Fri Jul 24, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

Re: OTR Microwave [Over The Range]

Hum. We're on our second OTR. When I remodeled a few years ago we both wanted a new one - countertop space is at a premium in our house. We haven't had problems with venting, steam or grease although it does vent the rear burners better than the front. Ours vents outside through the top. The two is...
by mbres60
Fri Jul 24, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

Re: OTR Microwave

Thanks for your replies. The LG repair person came down. According to him the microwave is fine. He says that when you have hot food inside the microwave that the build up of heat is SUPPOSED to vent through the top. He says that venting to the outside is only for the fan for the stove and not for t...
by mbres60
Thu Jul 23, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

Re: OTR Microwave

My OTR microwave vents out the back into ducting that goes outside. However it doesn't seal super good so I suspect some of the air is getting vented into the wall. Air definitely comes out of the vent on the side of the house though... So it sounds like you don't get moisture on your cabinets. Our...
by mbres60
Thu Jul 23, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

Re: OTR Microwave

Ours vents outside but a salesperson told me (rightly or wrongly) that the venting is for the fan that clears steam and smoke from the stove and not for the hot air inside the microwave. I'll have to ask the repair person tomorrow. Still looking to find out if people with OTR microwaves with the ven...
by mbres60
Thu Jul 23, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1271

OTR Microwave [Over The Range]

After remodeling our kitchen two years ago we put up a microwave over our stove. The CFMs are 400. We have had two issues since day one. First is the microwave venting. If we heat up anything more than a minute (popcorn, tv dinner, a plateful of leftover food for dinner) the microwave vents on the v...
by mbres60
Tue Jul 21, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3405

Re: Inexperienced Trustee

I agree. Get those fees down! You can't control this low interest rate environment so no guarantees on 6% but with Vanguard your expenses will be much lower so return should be higher.
by mbres60
Fri Jul 10, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Selling Home: Replace, Clean or Leave Carpet Alone
Replies: 11
Views: 1008

Re: Selling Home: Replace, Clean or Leave Carpet Alone

I would replace it too. However, don't go ridiculously cheap. A few years ago my daughter bought a house where they replaced the carpeting to the stairs going upstairs and the hallway. It looked nice but you could tell it felt like there is no padding underneath. Nothing like buying a nice big house...
by mbres60
Fri Jul 10, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: DC-based Estate Attorney Mike Collins' Seminars
Replies: 8
Views: 868

Re: DC-based Estate Attorney Mike Collins' Seminars

We did. He was a good speaker. We did sign up to meet with an attorney. Depends on where you live as to who they assign to you. Didn't care too much for the attorney we had. He was not particularly personable. There were some things he mentioned that we knew nothing about so we waited. Because we di...
by mbres60
Fri Jul 03, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 4136

Re: Las Vegas visit ( first time)

ram- Thank you for posting a recap of your trip! I love to hear how suggestions played out. Sounds as though you made the most of your time there and I'm glad you tried a little gambling, too. :wink: From this thread I learned about the Tix for Today booth, which I plan to check out. I'll be sure t...
by mbres60
Fri Jul 03, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2697

Re: Purchase '98 Toyota Camry?

We need/want an additional vehicle for local travel - not a lot of miles per year AND we do not want to spend very much. We have an opportunity to purchase a low mileage (under 100,000 miles) Toyota Camry (original owner) for about $3,000 or so. As far as I know, the car has been reasonably maintai...
by mbres60
Thu Jul 02, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5453

Re: My divorce gave me...

Have you read the Wiki on this site? That will give you lots of info. You need to determine your asset allocation (what percent of your money you want in stocks and how much in bonds). At your age many people do a 60/40 split (60% stock and 40% bond) however you do what is best for your risk toleran...
by mbres60
Wed Jul 01, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6677

Re: Unknown phone calls

I use comcast and thru their website installed "nomorobo". It works great. You let the phone ring once before picking it up and if it is a Spam call it gets dumped before the second ring. I have been using it for 2 months and I understand it also works with other carriers. You did this th...
by mbres60
Tue Jun 30, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Taking over my own Investing, Lots of Questions
Replies: 16
Views: 1672

Re: Taking over my own Investing, Lots of Questions

No one has replied yet so I will help with question 2. Bond funds are best in IRA.

As for question 4 - it doesn't hurt to call Vanguard to see what they suggest.
by mbres60
Tue Jun 30, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Fair compensation for change of delivery date without been notified
Replies: 20
Views: 2232

Re: Fair compensation for change of delivery date without been notified

I would check out another store and have a back up appliance ready to purchase. Then I would call the big box store and negotiate what your compensation will be. you have no leverage after it has been delivered. Personally I would ask for at least $50. If you are not satisfied tell them you will ca...
by mbres60
Tue Jun 30, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Fair compensation for change of delivery date without been notified
Replies: 20
Views: 2232

Re: Fair compensation for change of delivery date without been notified

I would check out another store and have a back up appliance ready to purchase. Then I would call the big box store and negotiate what your compensation will be. you have no leverage after it has been delivered. Personally I would ask for at least $50. If you are not satisfied tell them you will can...
by mbres60
Mon Jun 29, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 4136

Re: Las Vegas visit ( first time)

ram- Thank you for posting a recap of your trip! I love to hear how suggestions played out. Sounds as though you made the most of your time there and I'm glad you tried a little gambling, too. :wink: From this thread I learned about the Tix for Today booth, which I plan to check out. I'll be sure t...
by mbres60
Mon Jun 22, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: [Maryland] 1st Time Home Buyer, Suggestions?
Replies: 15
Views: 2384

Re: [Maryland] 1st Time Home Buyer, Suggestions?

I'll give some personal "lessons learned" that might apply to you. ⋅ Not having to do yard-work and being able to travel without worrying about the property is really nice. However, your neighbors matter more when you share walls with them. ⋅ There should be some kind ...
by mbres60
Sun Jun 21, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: At what point do bogleheads look at bogleheads.org?
Replies: 15
Views: 3036

Re: At what point do bogleheads look at bogleheads.org?

I read multiple sites every day including this one. Sometimes I just scan the list of topics that people have posted and just move on and other times I spend time reading some threads and like this one I post on. Many threads I read I like to come back to it to see what others have posted so I am ba...
by mbres60
Sat Jun 20, 2015 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a UTMA account to Roth
Replies: 5
Views: 745

Re: Converting a UTMA account to Roth

I just googled your question. You can't just rollover the UTMA to a Roth Ira. He would have to spend the money in the UTMA (say for his living expenses) and then put earned income into a Roth IRA. Hope this helps.
by mbres60
Thu Jun 18, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Maryland] 1st Time Home Buyer, Suggestions?
Replies: 15
Views: 2384

Re: [Maryland] 1st Time Home Buyer, Suggestions?

I would check all the areas you listed and see where your money takes you. Location, location, location is very true in real estate. If you find that Columbia has the best deal for you then don't discount it because you don't want to pay the CPRA (btw… it is not a tax because the IRS considers it an...
by mbres60
Wed Jun 17, 2015 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 2646

Re: Call from debt collector, should I follow up

Years ago (probably in the 1990's) we came home from vacation to a message on our answering machine. Besides their phone number they didn't say too much. I would have not called back but my husband said we had to so we did. Turns out it was a collection agency. Someone in another state had used my n...
by mbres60
Tue Jun 16, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4462

Re: Travel insurance - worth it?

It appears that this particular trip insurance policy is just about 5% of the trip cost. That is actually good. The coverages you posted seem ok too but they would have to read the policy. Usually to get 100% trip cancellation is expensive although it depends on the details of the policy. Is it canc...
by mbres60
Tue Jun 16, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14277

Re: Longtime Insurance Customers Get Ripped

It usually pays to shop around. Contact other insurance companies besides that independent agent (they usually only deal with a small amount of insurance companies and they could be the highest price ones). For at least 22 years we had Geico. We didn't shop around after that but when we finally did ...
by mbres60
Tue Jun 16, 2015 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4462

Re: Travel insurance - worth it?

Travel insurance is usually based on the cost of the trip so it is hard to judge if you price is too high. It sounds high to me but maybe your trip is much more expensive than the trips I have taken. I have used http://www.tripinsurancestore.com. Go to their website and see their phone number. Call ...
by mbres60
Wed Apr 22, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: Cruises
Replies: 35
Views: 5366

Re: Cruises

you can find rebating travel agents. I always used AmericanDiscountCruises.com. If there's any possibility of cancellation though, you'll most likely owe a cancel fee vs no charge with the cruise line ALWAYS check with the travel agent you use to see if they charge any fees if you cancel or even ju...
by mbres60
Fri Apr 17, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 6096

Re: Should I purchase an Umbrella policy?

I remember what it is like to not have much extra income each month but just enough to pay the bills. IMHO you are being "sold" an umbrella policy. The agent will make a commission on it. I believe that is why he has mentioned this to you. Also you have to buy renters insurance too…. anoth...
by mbres60
Wed Apr 15, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: ceiling fan
Replies: 13
Views: 1629

Re: ceiling fan

We have had Hunter fans in the bedrooms of our house. They are quiet and still work fine after 30 years.
by mbres60
Mon Apr 13, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1477

Re: Safari Not Work on iPad

When I get that I just reopen the page and it works. I think possibly it takes a few seconds for it to realize that it is connected to the internet via my wifi or my cellular service (if I have signed up for cellular that month). If it still is not working for you I would suggest bringing it in to a...
by mbres60
Wed Apr 08, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please Review CSRS Retirement Portfolio + VCP Info
Replies: 5
Views: 553

Re: Please Review CSRS Retirement Portfolio + VCP Info

I can't see how they could be in 15% tax bracket with monthly take home between the two of them at $8100. That is $97,200/year. When my dh retired he put his VCP contributions into Roth Ira and the earnings into the TSP.
by mbres60
Sun Apr 05, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help out out a 29 y.o guy with personal investments
Replies: 7
Views: 1014

Re: Help out out a 29 y.o guy with personal investments

Because you said your knowledge is lacking I would suggest first doing a lot of reading. Look in the Wiki and read. There are also suggested books. You have hopefully a long time horizon so don't worry about what the market is doing now. Over the next 35 years there will be many ups and downs. Too d...
by mbres60
Fri Mar 27, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: mobal.com phones
Replies: 5
Views: 495

Re: mobal.com phones

Thanks for the info. My Verizon phone can not do international as it is a flip phone. If I were going to be gone a short period of time (I will actually be gone an extra couple of days longer than they allow when you rent a phone from them) Verizon was not too bad although Mobal was less. Cell hire,...
by mbres60
Fri Mar 27, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: mobal.com phones
Replies: 5
Views: 495

Re: mobal.com phones

Called Verizon. Rep never asked me how long I would be away and wasted my time giving me lots of info and of course I was writing it all down. Then find out I would be gone too long. They told me of a company called cell hire. I looked at their website and they seem to be less expensive than mobal. ...
by mbres60
Fri Mar 27, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: mobal.com phones
Replies: 5
Views: 495

mobal.com phones

Any one use a mobal.com global phone? I'm looking for people's experiences. I have a flip phone from Verizon but am going on a European cruise. I heard about this company but unfortunately not convinced of the answers I got from calling them. I understand I will get a USA phone #. On their website I...
by mbres60
Mon Mar 16, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 3259

Re: Cruise.Com Bait and Switch Tactics

One thing to keep in mind is that the cruise lines themselves pull this bait and switch all the time, which the Travel Agents then end up repeating in their ads. If you try to go directly to the cruise lines you will quickly see that their promotional pricing usually applies to only a couple cabins...
by mbres60
Sun Mar 15, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 3259

Re: Cruise.Com Bait and Switch Tactics

For my 2012 to Alaska on Princess I booked with Costco. Very pleasant experience and they discounted. However, before I sailed when I called for something, they said they were no longer able to discount Princess cruises. Therefore, for my next cruise on Princess I just accepted their price with some...
by mbres60
Sat Feb 07, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 1748

Re: Cable Modem

Good to know. Thanks. Do you know where online you bought it?
by mbres60
Fri Feb 06, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 1748

Re: Cable Modem

About a month or so ago we got an updated price list from Comcast. It listed a modem you could buy for $149. In our area Best Buy used to sell them but no longer does. Now that the monthly cost has risen to $10/month we are going to look into going with Verizon but have to wait til our contract ends...
by mbres60
Tue Feb 03, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 5424

Re: Costco Vacation Packages

I used them 2x for cruises. The first time they discounted the cruise quite a bit however by the 2nd cruise not at all just some on board credit (not anywhere as much as had been discounted on the 1st cruise). Both times they were wonderful any time I called them. They are Costco employees. I think ...
by mbres60
Sun Jan 25, 2015 5:10 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 5651

Re: WHAT EXPERTS SAY ABOUT

Thank you Taylor for all your help and wisdom.

Happy happy birthday to you!
by mbres60
Fri Jan 23, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 820

Buying life insurance online

What sites are reputable to use? My DD is looking into this and got a quote from one site and they are basically harassing her. She asked for my opinion about life insurance in general which I will give her when I see her soon. I did tell her not to purchase from the person harassing her.
by mbres60
Tue Jan 20, 2015 5:03 pm
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 9472

Re: "When you've won the game, stop playing"

Thank you, Taylor. I keep thinking the same thing but it is sometimes hard to "stop playing" because you never know what will be needed.
by mbres60
Sat Jan 17, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 4151

Re: garbage disposals - are these still used?

They are big around here.
by mbres60
Fri Jan 16, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Is a "Free" Home Always Worth It?
Replies: 18
Views: 2051

Re: Is a "Free" Home Always Worth It?

I would stay where you are. You said your own home is in a better neighborhood with better schools. No private school tuition needed nor long drives to school. I think the only reason you are considering this deal is because it was your childhood home yet you say you are not upset with your dad sell...
by mbres60
Tue Jan 13, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: 100,000 or Bust...
Replies: 9
Views: 1204

Re: 100,000 or Bust...

Congrats on doubling your salary! I would suggest reading the wiki. Lots of good info there. I will say however that you should always try to contribute to your 401k up to the company match. Why turn away free money??? Also, get rid of the debt. After that you can figure out your different savings v...
by mbres60
Wed Jan 07, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1382

Re: Mac Antivirus

tbradnc wrote:I would (and did) upgrade to Mavericks - the most up to date release of OS X.


Yosemite is now the latest.

I just tried adwaremedic. It took about 5 seconds. Found nothing. You or someone said Avast often comes with adware. If it did then adwaremedic didn't find it.
by mbres60
Wed Jan 07, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1382

Re: Mac Antivirus

I had a similar issue with Hotmail and Outlook.com e-mails -- each time I first logged onto Hotmail or Outlook, the first e-mail I clicked on opened fine, but closed on its own after a few seconds. If I reopened it, all was fine for the rest of the session with other e-mails. This happened with Fir...
by mbres60
Wed Jan 07, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1382

Re: Mac Antivirus

Thanks all. I am in the middle of reading the safe mac.com but took a break for dinner. I'm going to continue reading. As for OS X I have Lion (10.7.5). Should I just stick with it? I had been thinking of upgrading to Yosemite figuring it might be more secure but maybe it is not.

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