Search found 593 matches

by mbres60
Fri Sep 04, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: ATM payment wrong?
Replies: 12
Views: 579

Re: ATM payment wrong?

Years ago my ATM only gave out $20 bills. I went to get $100 and instead of one of the $20's was a $50 bill!! The bank was closed and it was the week end so on Monday I went down … told them what happened and gave them the $50 for $20.
by mbres60
Fri Sep 04, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Data Plan For An iPad
Replies: 13
Views: 614

Re: Data Plan For An iPad

I am behind the times as far as technology. I do not have a smart phone. When I bought my IPad just over a year ago I bought it at the Apple store. I got one that has cellular service. I had to tell them which network I wanted (Verizon). I had to go through Verizon to get the service which I did for...
by mbres60
Tue Aug 25, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Glad we made these decisions
Replies: 3
Views: 637

Re: Glad we made these decisions

Sounds great! Enjoy retirement!
by mbres60
Fri Aug 21, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 10796

Re: My new dishwasher doesn't clean

Not sure if you have been given this advice ... My mother had a new dishwasher installed in her kitchen. It was a Maytag. She complained and complained, saying the old one was far better at cleaning her dishes. This went on for a few years! rhere wasting a water leak which required the unit to be r...
by mbres60
Mon Aug 17, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 10796

Re: My new dishwasher doesn't clean

OP here. Wow! I was surprised to see this thread dug up. I missed all the updates from this past April as I was away on a cruise :) Anyways, using Finish Powerballs and Finish rinse aid worked for us. The new dishwasher just would not clean with the old powdered Cascade. We have semi hard water. Sev...
by mbres60
Sun Aug 16, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Inheritance - seeking help
Replies: 10
Views: 2038

Re: Dealing with Inheritance - seeking help

I'm sorry for your loss. Definitely do what you can to move things to Vanguard where you will save a lot on fees. I will comment about your question #3. Why would you want to cash in an inherited IRA? The only reason I can see would be so you could use the funds to put into a Roth. Would make no sen...
by mbres60
Thu Aug 13, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14296

Re: Am I crazy? Quitting my job.

Don't forget to update us with your decision once you make it!
by mbres60
Wed Aug 12, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14296

Re: Am I crazy? Quitting my job.

Alright, so I thought about this topic on the way from work and postponed my dinner to reply. Do I understand correctly that you have an almost do-nothing job and save $20K per month after tax? If so, you may be one of the highest paid non-executive employees in the world if you count salary per ta...
by mbres60
Wed Aug 12, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14296

Re: Am I crazy? Quitting my job.

I say you should go home because you are miserable. I would just take some of the advise people have given you and plan your return. If you return while your wife is still pregnant then make sure she is totally covered healthcare wise. Don't have any lapses in coverage.
by mbres60
Mon Aug 10, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 28
Views: 2892

Re: Boglehead Hawaii

Go to gasbuddy.com to see gas prices. Volcano National Park is a "must see".
by mbres60
Thu Aug 06, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Funds Officially Headed To Vanguard - Help Please
Replies: 23
Views: 1790

Re: Funds Officially Headed To Vanguard - Help Please

I can answer question 1. Yes, put your Total Bond Market Index fund in a tax deferred account. As for International, I have mine in tax deferred. Couldn't remember why I heard that was the place to be so I just did a quick google search and came up with this Bogleheads thread from December: https://...
by mbres60
Wed Aug 05, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise - Saving Money On Shore Excursions
Replies: 25
Views: 2027

Re: Alaska Cruise - Saving Money On Shore Excursions

We used Chilkoot Tours in Skagway in 2012. We took the bus up (think hotel shuttle or car rental shuttle at an airport. It was that size.) We probably had about 15 or so people on it. It was not full. Took the train down. We had a wonderful day. It takes you into Canada into the Yukon. Beautiful sce...
by mbres60
Wed Aug 05, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2851

Re: Comcast wants me to buy a new modem (I think)

FYI- internet only modems are different than internet and telephone. The OP needs one that also handles telephone. Those are different and much more expensive than internet only. EMTA's (which handle both voice and data) are more expensive than cable-only modems, but not much more expensive. I thin...
by mbres60
Wed Aug 05, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2851

Re: Comcast wants me to buy a new modem (I think)

FYI- internet only modems are different than internet and telephone. The OP needs one that also handles telephone. Those are different and much more expensive than internet only.
by mbres60
Tue Aug 04, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance
Replies: 14
Views: 1233

Re: Inheritance

According to Saving for College (http://www.savingforcollege.com/financial_aid_basics/financial_aid_and_your_savings.php) retirement plans do not count towards consideration for financial aid. This is good for you because you can save for retirement in IRAs and also 403b or 401k without it hurting y...
by mbres60
Tue Aug 04, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4462

Re: Budgeting For 2016 Medicare Part B Increase

I was planning on starting Medicare Part A near the end of this year but not starting Part B til January of 2016. It is just to save the Part B premium for when I change from an HMO to a fee for service plan starting January 1. should I start Part B during this year instead? I am not on SS yet. Also...
by mbres60
Tue Aug 04, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4462

Re: Budgeting For 2016 Medicare Part B Increase

I enrolled for Medicare A but not B. ... I DO NOT HAVE TO ENROLL FOR MEDICARE B. My health care is provided by my employer ... Thank you Lynette. I am assuming that I, too, will be able to enroll in Medicare Part A at the earliest availability, but delay Medicare Part B by 3 or 4 months to avoid la...
by mbres60
Tue Aug 04, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance
Replies: 14
Views: 1233

Re: Inheritance

Sorry for your loss. I am not an expert however I would seriously think about paying off the $5,000 in consumer debt. It probably has a high interest rate. Another suggestion is to put the maximum amount you can this year into a Roth IRA (I think it is $5500). If you are over 50 you can put in an ex...
by mbres60
Tue Aug 04, 2015 6:33 pm
Forum: Forum Issues and Administration
Topic: [deleted] [SUGGESTION: Include basic stats (age, net worth, asset allocation)... when they post]
Replies: 27
Views: 1708

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

It is tmi for most people. They'll post what they want in a conversation if it is relevant and they want to reveal it.
by mbres60
Tue Aug 04, 2015 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with taxable accounts and retirement accounts
Replies: 5
Views: 559

Re: Help with taxable accounts and retirement accounts

I don't know anything about trusts but check to see if upon inheriting all these stocks and/or funds that are in taxable accounts have a stepped up basis from date of death. If so (this is the case when no trust) then I would move to Vanguard and then sell. Capital gains wouldn't be too bad if this ...
by mbres60
Thu Jul 30, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1925

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: 1929

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: 1392

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: 1392

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: 1392

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: 1392

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: 1392

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: 1392

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: 3627

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: 1069

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: 896

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: 4224

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: 2747

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: 5495

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: 6864

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: 1712

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: 2268

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: 2268

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: 4224

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: 2410

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: 3082

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: 763

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: 2410

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: 2696

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: 4613

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: 14701

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: 4613

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: 5882

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: 6205

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: 1658

Re: ceiling fan

We have had Hunter fans in the bedrooms of our house. They are quiet and still work fine after 30 years.

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