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by mbres60
Wed Apr 22, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: Cruises
Replies: 35
Views: 4487

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: 5637

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: 1476

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: 1314

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: 470

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: 922

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: 440

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: 440

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: 440

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: 3106

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: 3106

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: 1691

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: 1691

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: 5082

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: 5168

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: 774

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: 9078

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: 3849

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: 1964

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: 1186

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: 1315

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: 1315

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: 1315

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.
by mbres60
Wed Jan 07, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1315

Re: Mac Antivirus

Thanks. I'll keep that in mind. Did you have a second browser on your computer already that you could use when Safari wouldn't open? I only have Safari but am now thinking maybe I should have a backup just in case. Without a backup it seems I would have no access to the web to do anything! Could I k...
by mbres60
Wed Jan 07, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1315

Mac Antivirus

Because I have noticed some issues recently today I downloaded Avast Mac Security 2015. I just did a full system scan (took an hour). Said it found no infections but there were 15 files it could not scan. Anyone know what this means? How do I find out what those files are? I was expecting to find ma...
by mbres60
Mon Jan 05, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: There She Said It [Suze Orman recommends Vanguard]
Replies: 5
Views: 2387

Re: There She Said It [Suze Orman recommends Vanguard]

I heard her say it too. I was surprised but pleased.
by mbres60
Mon Jan 05, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Turning 66 this year. Retirement looming and concerned
Replies: 15
Views: 1587

Re: Turning 66 this year. Retirement looming and concerned

Safe withdrawal rate is generally considered 4% per year although in recent times people have been saying 3.5% or less. What that means is that if you have one million dollars in investments you can take out (at the 4% rate) $40,000 the first year. I am not clear on how that works for the next years...
by mbres60
Mon Jan 05, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17941

Re: Replacing rented Comcast cable modem?

Thanks GD. This past week or so we received with our bill a new pricing schedule for all their services for 2015. It clearly listed in it that you could buy a modem from them for $149. ( $149 for an internet modem? That's just another way for Comcast to scam you. You can get a two in 1 modem and ro...
by mbres60
Sun Jan 04, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17941

Re: Replacing rented Comcast cable modem?

for $149 I would expect a NEW modem not a used one! That does not mean though they are not used :(
by mbres60
Sat Jan 03, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17941

Re: Replacing rented Comcast cable modem?

Thanks GD. This past week or so we received with our bill a new pricing schedule for all their services for 2015. It clearly listed in it that you could buy a modem from them for $149. The price stayed the same. The rental for the modem went up though from $8 to $10. Yikes… that is a big increase. M...
by mbres60
Sat Jan 03, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17941

Re: Replacing rented Comcast cable modem?

Apparently I was the OP-- for the record, I've been using a digital voice-capable modem purchased from Best Buy, and activated by me without a Comcast service call for so long I can't recall-- 1.5 years? A slight hassle locating a digital-voice-capable model (not the normal DOCSIS 3) that supposedl...
by mbres60
Wed Dec 31, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Re: Is this malware?

The link that was redirected was in an email from a big cruise forum called cruise critic. It was letting me know that someone else had updated a thread I had posted in. Never had the problem before. When clicking on it it opens another tab (normal) but it wasn't to the thread for me to see the upda...
by mbres60
Wed Dec 31, 2014 3:26 pm
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Re: Is this malware?

Thanks! However, I'm a little dense ;) How did "they" redirect me in the first place? Did they somehow take control of my computer? Should I be concerned if I want to log into my Vanguard account?
by mbres60
Wed Dec 31, 2014 3:09 pm
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Re: Is this malware?

Another question…. If I didn't click on anything on the redirected to website why would that mean I probably don't have malware? How did I get redirected in the first place?
by mbres60
Wed Dec 31, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Re: Is this malware?

Unless you clicked on something on the bogus page you got directed to it's not likely you got any malware installed on your PC. There's a free version of "Malwarebytes Anti-Malware" that you can run that catches a lot of malware that might be hiding on your PC. Google the name and try it ...
by mbres60
Wed Dec 31, 2014 10:52 am
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Re: Is this malware?

investingdad wrote:Browser redirects are often malware.


Malware on my computer or in the link itself?
by mbres60
Wed Dec 31, 2014 10:34 am
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1285

Is this malware?

I have a Macbook Pro. I post on another website about cruising and whenever a thread is updated that I posted on I get an email. All I have to do is click on the link inside it to see the new updates. Yesterday I did that but got a strange website. I did it again and got a different website. Third t...
by mbres60
Mon Dec 29, 2014 1:55 pm
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2242

Re: Water heater

Plumber left a short time ago. Drained old heater into washing machine drain. Told us if we go away to turn off the water to the house and NOT to turn off just the water heater. Said you don't want to fiddle around with that as you never know what could happen and you don't want to mess things up to...
by mbres60
Mon Dec 29, 2014 9:52 am
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2242

Re: Water heater

This will be my 4th water heater in 30 years. First failed catastrophically and ruined my finished basement. Of course it was the week end so had to pay extra $$ for a plumber. Also paid for someone to rip out all the padding and put in fans to dry out the concrete underneath the carpet. Next one ha...
by mbres60
Sun Dec 28, 2014 8:12 pm
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2242

Re: Water heater

My dh bought both kinds of pans at Home Depot. Apparently the rubber is best for an electric water heater (which we have) because with the aluminum there is risk of electrocution. He was also told we should not try to empty the water heater a bit (not for the $$ but because it is less water to get o...
by mbres60
Sun Dec 28, 2014 6:20 pm
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2242

Re: Water heater

Thanks. Last time we bought a new water heater it was drained into the sump pump. Since then we have had radon remediation and the sump pump is sealed w/a submersible pump. No utility sink.
by mbres60
Sun Dec 28, 2014 5:49 pm
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2242

Water heater

We are getting a new water heater installed tomorrow. I have a couple of questions. 1. Our current heater has an aluminum pan under it. Don't know if it can be reused. Anyone know if there are any pros or cons for aluminum or plastic? My dh is going to Home Depot and purchasing one of each. 2. Not s...
by mbres60
Sun Dec 21, 2014 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 30
Views: 3187

Re: Travel Insurance

This is very helpful to hear from people who have lots of experience. I was asking in particular about getting an annual policy. It costs more but if one is going on several trips, including domestic, it seems like it would be good value and give one more bang for the buck. I'm going to call and as...
by mbres60
Sun Dec 21, 2014 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 30
Views: 3187

Re: Travel Insurance

Check out tripinsurancestore.com. Call them up and discuss your situation. They are a reputable firm (as far as I read on the internet on a big cruising site :D ). We used them for our upcoming cruise and for another one in 2016. Do so asap as you might need to be covered for pre existing conditions...
by mbres60
Tue Dec 16, 2014 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Vehicle of Deceased
Replies: 26
Views: 2190

Re: Selling Vehicle of Deceased

Look into the state laws (DMV)where your FIL passed away. http://www.dmv.com/ia/iowa/title-transfer They should have a mechanism by which heirs can gain the title to vehicles. Follow those instructions and then sell the vehicle and transfer the clean title to the new owners. I don't think you will ...
by mbres60
Mon Dec 15, 2014 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 531

Re: Federal Retiree Insurance and Medicare

With FEHBP with medicare part b or not you don't need Part D as your health plan will cover the pharmacy. People who are not federal retirees need parts a , b and D.
by mbres60
Mon Dec 15, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 531

Re: Federal Retiree Insurance and Medicare

My spouse is a federal retiree. He is also 65. We decided to pay for Part B mostly because when you get sick or are elderly it should be easier. Currently we have an HMO which does not cover copays or anything. However once I turn 65 (which is sooner than I would like :shock: ) we will switch to a f...
by mbres60
Sun Dec 07, 2014 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Protocol for taking a deposit on an item I'm selling
Replies: 15
Views: 746

Re: Protocol for taking a deposit on an item I'm selling

I would either wait or ask your neighbor which they prefer (they may not want you to hold onto the check uncashed for a few weeks). Because this is a neighbor and you don't want any issues I would give back the money if for some reason they changed their minds.

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