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I've purchased several refrigerators and stoves in my adult life and have never purchased extended warranties or maintenance agreements.No regrets,never needed them. I wouldn't purchase the plan. :happy FYI http://www.debunkingskeptics.com/Reasons_Sears_MA.htm I too have never purchased them. I rea...

My dd got married 1 1/2 years ago at a nice hotel. I was surprised at the amounts people gave as gifts.... some people more than I would have thought but a lot of people much much less than I would ever give . Some actually gave nothing. A lot of people did have to travel. Most of the cousins in my ...

I've purchased several refrigerators and stoves in my adult life and have never purchased extended warranties or maintenance agreements.No regrets,never needed them. I wouldn't purchase the plan. :happy FYI http://www.debunkingskeptics.com/Reasons_Sears_MA.htm I too have never purchased them. I rea...

Thanks all. I feel a little bit better. I hope I can cancel the oven maintenance plan. We didn't add the refrigerator but she said we could add it tomorrow when we come back to buy the dishwasher so maybe there is hope. (we are buying the dishwasher with all the points we earned from buying the othe...

If the oven doesn't keep the right temperature then that is not covered because that is normal wear and tear. That set my BS detector off. You may get an extended warranty with your credit card already be sure to check on that. Me too! I am quite angry about the way it was presented because it is N...

We just purchased a new refrigerator and range from Sears and will be purchasing a dishwasher from them this week. We were surprised to find out that they weren't trying to sell us an extended warranty but instead a maintenance plan. Salesperson told us the one year warranty is for manufacturer defe...

The website lists lots of IRS Income tax return fraud cases, many involving issuing refunds on debit cards: http://www.irs.gov/uac/Examples-of-Identity-Theft-Schemes-Fiscal-Year-2013 But still can't figure out how crooks would take advantage unless they actually get physical receipt of the debit ca...

Where did the money come from to fund the debit cards? I'm not familiar with this type of thing, but, am wondering whether the perpetrator was hoping to take the cards from the mail before your daughter got them. Are you sure there may not have been more that three cards made? She got three cards i...

Where did the money come from to fund the debit cards? I'm not familiar with this type of thing, but, am wondering whether the perpetrator was hoping to take the cards from the mail before your daughter got them. Are you sure there may not have been more that three cards made? She got three cards i...

That is what she is doing but I'm still curious as to why someone would do this.

My daughter received 3 different prepaid debit cards in the mail. Each had her street number missing digits (each one was different). She called to cancel them. Two no problem but the third one wouldn't close it because she could not provide her "pin". They gave her an email address for th...

UPenn med is in philly (another poster said it was in hershey; that is penn state, not upenn),
but
HMS is in Boston (Mission Hill/Longwood), not Cambridge..[/quote]

Oops. I misread info and thought it was Penn State

FYI - Penn State Medical school is in Hershey, PA and not in Philadelphia.

Hopefully the OP will come back and let us know what he or she chose. From reading the replies it seems like the consensus is to go to Penn State and have no debt because Penn State is a top tier medical school.

I am sorry to hear about your parents. I too went through this however my parents didn't have the kind of money your parents do. They only had one mutual fund (Fidelity Contra which was opened the 2nd day it was offered. Why didn't my dad buy more????) and all the rest was in CDs. I am not an expert...

If you decide on the suburbs how about Howard County? There are lots of places not too far from 95 or in Ellicott City where you are close to 70 and then the beltway to 95. Lots of places if you decide the suburbs.

Thank you so much bluelight. I am right handed and he is left handed. I did not realize you could move the direction of the handle and thought with it on the right he would be getting his arm all wet or just using his right hand and feeling awkward. At least now I have info to discuss with him befor...

Any lefties? I just realized my dh might not like this because he is left handed. After all my time researching and finally picking out a faucet I fear I may have to get a different style. There is a Delta single lever faucet with a separate sprayer but I don't like the look of the faucet. It remind...

Thanks all. I will be buying a faucet within the next 2 weeks. It will probably be a Moen or Delta. I think I would like to get a soap dispenser. Sounds like a nice idea. I have read some reviews but unfortunately even if there are lots of good reviews it is always sad to read a bad review. Kind of ...

bungalow10 - They still retract but they just don't "snap into place". My daughter recently bought a new house and the sprayer hangs down a little bit instead of neatly fitting into the faucet. When I read reviews some people mention this happens. Glad to know that some faucets might come ...

We are redoing our kitchen and right now I am researching what style kitchen faucet to purchase. It seems there is pull down, pull out , and single handle type with a sprayer that is separate from the faucet. The pull down and pull out style both have the sprayer attached to the faucet. I hear the s...

I would keep your money separate from his. I would also put it back into the house. If you don't want to do that then whatever you do keep it in your name only and not mix it with your boyfriend's money. That is because he was not on the house so all this money was yours. No need to make that large ...

Roymeo- the emails say they are from a couple of people that I know and comes into my junk mail saying the email is from first and last name. subject line says "hey my first name". They are scam emails as neither of these people know my email address. Also the email address they come from ...

I checked facebook and the limited I can understand seems like it is the facebook email that shows to the public. I clicked on my name to see my page and then clicked on about. That is where the email address with facebook.com is located. I only see my real email under general account settings. My n...

Thanks Math Wizard and Henry A. I'll look at the you tube video. Math Wizard- these emails say they are from a person whose name I know. These people though would not be emailing me so these emails are junk. I think I'll definitely change my facebook password as that is probably where someone got my...

I'm curious as to how my junk mail box shows an email from two of my facebook friends when neither know my email address. I have not opened these emails up but see that it supposedly came from xxxx and in the subject line says hey (my first name). This has happened a couple of times. If I put my cur...

Sorry for your loss. I just googled and from the couple of things I read you would have to return the vehicle and pay any difference between what the vehicle is worth to what it is owed. You might also be able to continue paying on the lease. Bottom line, don't just leave it with the towing company ...

Not one of your guys. This guy worked for himself.

Update - We tried the steamer on one strip. That was enough. The paper was hard coming down (although easier than what we were doing before) and actually was taking down some of the paint with it. It also took down a large section of the outer layer of wallboard. Soooo it was back to the old way. Be...

Question for those that used a steamer: What did you do to keep water from the steam out of your outlets?

Today we went and bought a steamer. I looked at Home Depot and Lowes and they both had the same one. Home Depot was $5 less. Tons of reviews online all making it seem like this was something magical. I hope it is. One person mentioned that Lowe's price matches and then sells it to you for 10% less. ...

I have removed wallpaper from 2 rooms. Both had been sized before papering which made it somewhat easier. It is a tedious job and we were able to remove wallpaper with very minimal damage to sheetrock. However, the surface is not as smooth as I would like and is noticeable after painting. I would p...

jwtietz wrote:I would never wallpaper again.

Amen!

Thanks for the replies. We previously did a bathroom and used that circular scorer. Either we did too little pressure and it didn't go through or we used too much and it put loads of little holes into the wall. That room I had put the wallpaper up myself and sized the wall. My kitchen I had hired ou...

Anyone ever take down wallpaper themselves? If not how much did you pay someone for one room ? We are removing the wallpaper in our kitchen but it is going so slooow. Also, there is tons of paste left on the wall. When the wall is wet it is incredibly sticky. We don't feel a thing when it is dry. Wi...

I read this to my dh and his first response was "Seriously, can you still get the parts?" My first response was "no". Get a new dryer. You could spend the money to repair and then it breaks down again. Also, newer dryers may also use less energy.

Thanks for your thoughts on this matter. So far I think I will go for the CD.

We have about 14% of our money in CDs and cash. Another CD just came up for renewal. Previous ones we have been putting in 5 year CDs and figure if rates go up we would accept the 6 month penalty and probably come out ahead (as opposed to a 2 year or less CD). Now I am wondering about short term bon...

I have two adult children. Both were born about 6-7 weeks before the cutoff date which at that time was Dec 31. I never heard of holding back a child and happily sent my oldest, a girl, off to Kindergarten. She was always mature and bright so if I had heard of redshirting I would have sent her off t...

I'm going against the tide and say not to pay off the mortgage. Interest rate is low. You are taking $$$ from before the marriage and comingling it with joint assets. You had a prenup for a reason. It helps protect your assets premarriage in case the marriage dissolves or worse. In case of your deat...

They decided to go with a rate of 3.875% for 30 year fixed w/Navy Federal. No PMI, no loan origination fee and just .025 in points. Personally I would have gone with a 3.5% mortgage that had a total of 1.75 points but then again I have more money than they do so they did not want to spend the money ...

We cruised Carnival many times and liked it. This past June we cruised Princess round trip out of Seattle up to Alaska. It was wonderful. Go to cruise critic.com and go to the Alaska boards. Wealth of information! Holland America and Princess have the best itineraries because they have cruised there...

We cruised Alaska this past June (round trip from Seattle) and thought it was the smoothest cruise we had ever been on. Extremely smooth sailing. If you are fine flying on a plane then pick a cruise that doesn't sail across the ocean (even those I hear are often not rocky). Cruising is a wonderful v...

I may be receiving a buyout from work in 2013 and was wondering if the money I receive is considered earned income for Roth IRA purposes. They would be taking out taxes but not putting money into 401k or towards pension. Anyone know if I could count this money to help towards having enough earned in...

One thing to think about: How good is your new employer's 401k? If it is not very good (doesn't offer funds you would want and/or high expense ratios) then I would put it in an IRA where YOU have control of it and your pick of funds from almost anywhere.

What do you mean by the short term? Do they change your rate at some point even though it is a fixed rate? I spoke w/dd today and found out that they were quoted 3.87% for a mortgage at $417,000 (I think that is the most you can get w/o PMI) and they put $60,000 down. They purchased their house for...

My mortgage is with Navy Federal. I was able to get the best rate they offered at the time with only 5% down. Unless things have changed, the rate your dd is getting may not just be related solely to the down payment. However, avoiding PMI (which will cost > $200 a month) is well worth a small incr...

Thanks all. Navy Federal doesn't require PMI if you are getting a conventional loan. I think they are getting a loan of $400,000. They have a down payment of about 12%. They have already offered on a house and been accepted. They have to just sign the final contract. I had always heard that paying P...

Thanks Kenyan but do you really think rates will drop much lower than now? I can't imagine 30 year loans much less than in the 3% range (although I realize one never knows!). I also don't know what kind of rate they could get with PMI. They currently have a mortgage with Navy Federal on their condo ...