Search found 130 matches

by rooms222
Thu Aug 27, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 890

Re: Apartment security deposit problem

This situation may be worth your time. Your state has stringent requirements for security deposits to always remain your money by always being in a separate bank account. The penalty for not doing so is 3 times your security deposit. Read more here: http://www.masslegalhelp.org/chapter-3-security-de...
by rooms222
Tue Aug 11, 2015 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 6697

Re: Seeking advice in a hostile office now

If you are over 40 and they want you to sign away your age discrimination claims you have 21 or 45 days to review it. http://www.mayalaw.com/2013/05/09/what- ... -packages/
by rooms222
Tue Jul 28, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6360

Re: wife got in wreck with Honda CRV - no collison coverage

I have heard very good things about this program, and plan to take the course with my daughter when she learns to drive. http://www.driveincontrol.org
by rooms222
Fri Jul 10, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 87
Views: 5251

Re: What about the Ford Edge?

It's made in Oakville which is in the Greater Toronto Area. The Volkswagen Routan is made right across the river in Windsor.


Consumer Reports, which hated the last generation Edge, gave an extremely positive review of the latest generation one.
by rooms222
Mon Jul 06, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5542

Re: New tires - where to buy, how to get a good deal?

Many years ago I think Tire Rack was almost unbeatable in terms of getting the best price. Service was a bit hit or miss depending on the installer you used. In the past 5-6 years I've found that Discount Tire will be at the same price as Tire Rack, perhaps even a little cheaper. I happen to like t...
by rooms222
Fri Jul 03, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5781

Re: Best Cell Plan?

Project fi seems really interesting. https://fi.google.com/about/faq/ I'm waiting for my invitation. Downside is that you need a nexus 6 phone, which is a nice phone but pricey Google "nexus problems with Android 5.1" and you'll find that the latest android version is a mess with Nexus. I...
by rooms222
Thu Jul 02, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5734

Re: Smart phone data usage

Also note that MMS (picture messages) do require some cellular data or you will not receive them. The cheapest prepaid plans with unlimited text and calling are ptel with its $20/month plan with 250 MB of 4G data (on Tmobile) or its $25/month plan with unlimited 2G speed data. If T-mobile is not goo...
by rooms222
Thu Jul 02, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: Car Dealerships - is this bad service?
Replies: 21
Views: 2513

Re: Car Dealerships - is this bad service?

When I had VWs, I found the Bosch network of independent shops that specialized in imports to be top notch. Some were slightly less than the dealer and some were a lot less, but I found them to generally be professional and honest.

http://www.boschcarservice.us/Pages/ForYourVehicle.aspx
by rooms222
Wed Jul 01, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5781

Re: Best Cell Plan?

If you get your phone unlocked, or it is already, H2O wireless is probably the best AT&T MVNO for you. It has an unlimited talk and text plan with 500 MB of 4g data for $30/month, $27 with autopay. Cricket's plan at a similar price point is $40/month, $35 with autopay. The Cricket plan has more ...
by rooms222
Tue Jun 30, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: My email being used on a foreign Facebook account
Replies: 23
Views: 3422

Re: My email being used on a foreign Facebook account

This happened to my daughter. She reset the password on the FB account and took it over. If you wanted to, you could then delete the account. The person probably entered your email by mistake.
by rooms222
Sun Jun 28, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5734

Re: Smart phone data usage

I have put several family members on the $20 plan from ptel, a T-Mobile MVNO. That plan has unlimited talk and text, and 250 MB of 4G data. They have responsive customer service in my experience. This is enough data to do Google Maps easily. Other family members have chosen to get the $25 plan which...
by rooms222
Fri Jun 26, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2264

Re: Condo - HOA Rules for Leasing

As a condo president of a small complex that does not allow renting at all, we are very flexible on roommates. If it is a roommate situation, the owner is still technically an occupant, and we would be able to deal with the owner for breaches that occur. We also have allowed parents to move in in su...
by rooms222
Mon Jun 08, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 12
Views: 1388

Re: Buying a Cooperative (co-op) unit - Questions to ask

When I looked at a Coop in Detroit, I found that this bank was the one that specialized in individual coop mortgages, as the national lenders only did coop loans in cities where coops were plentiful and well established (i.e. NYC). https://www.ncb.coop/default.aspx?id=3682
by rooms222
Thu May 21, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 10748

Re: Don't come to Europe with a new chip and sign credit card

The one true chip and pin card where the pin is the first priority on the list is the United Nations Federal Credit Union Visa. Membership is open to the public now if you join UNA-USA for a small one time fee (free for students). It is a tedious process to get one, but it is the best available in t...
by rooms222
Fri May 15, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 3040

Re: passport card faster than passport?

Just be sure to bring all the stuff you need to get an EDL. They require proof of SSN among other things.
by rooms222
Fri May 15, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 3040

Re: passport card faster than passport?

The passport card seems less backed up, and it is processed separately, so your idea may have merit. Are you by chance from one of the 5 states that has an enhanced driver's license? Those are done by the state and usually come in 2-3 weeks at most. The five states: MI, NY, WA, MN, & VT.
by rooms222
Tue May 12, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 2123

Re: Taxes on renting a room in my home to a friend

A roommate relationship has been considered more intimate legally than a normal rental situation, and that is why there remains a grey area in what is recognized by the courts as a shared household. For example Fair Housing laws about familial status, sexual orientation, and gender discrimination ha...
by rooms222
Sun May 10, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Tenants left and we end up with a flooded basement and no insurance coverage
Replies: 35
Views: 3927

Re: Tenants left and we end up with a flooded basement and no insurance coverage

I think my local power company has it so that landlords can have it set back in their name automatically when a tenant disconnects the power. Similar example: https://www.epb.net/power/home/service/billing-programs/landlord-agreement/ In cold areas, this is important for gas service. A relative had ...
by rooms222
Sun May 03, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Received a new license plate/number in the mail
Replies: 23
Views: 2003

Re: Received a new license plate/number in the mail

Michigan is implementing a new law where plates must be physically replaced after 10 years, but you have the right to get your number reissued on a new plate. This is the law now, but the legislative analysis done while the law was a bill most clearly explains it. https://www.legislature.mi.gov/docu...
by rooms222
Fri May 01, 2015 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 1909

Re: Advice on trip to Vienna

As I was a teen in the 80's, I would make a pilgrimage to Falco's grave.

As someone who likes fine fragrances that are mostly impossible to get in the US, I would visit Knize as well.
by rooms222
Mon Apr 27, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 6401

Re: Best (Available)Red Wine for under $15 preferrably under

In the states that they are allowed to sell wine, I have found good deals at Aldi, particularly Spanish and some German wines. I Got a great Ice Wine for $9.99 once.
by rooms222
Tue Apr 21, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 3560

Re: Broken Oxygen Sensor on Car

In many cars, it will slowly destroy the catalytic converter, which will become blocked and also have to be replaced at a significantly higher cost.
by rooms222
Wed Apr 15, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 6592

Re: Vehicle for tall people/Spouse wants 50k car help!

I'd look at the Honda Pilot as well.
by rooms222
Tue Mar 24, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2916

Re: repair or replace old car?

The suspension (especially the Front End) is another wear item at that age. Once those things are done the car will probably remain pretty reliable; you may not need to do them yet either, or they were already done and are fine.
by rooms222
Sun Mar 22, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 16
Views: 3416

Re: Is PagePlus Cellular Being Shut Down?

callingmart.com has the $80 card for face value, and a variety of discount coupons that can be found on their facebook page or by google searching it. They always have a 3% off coupon on Page Plus.
by rooms222
Tue Mar 17, 2015 9:54 pm
Forum: Investing - Theory, News & General
Topic: Buy a rental property in this market ?
Replies: 42
Views: 3350

Re: Buy a rental property in this market ?

Also Detroit has the lowest buy to rent ratio of any major metro area. http://money.cnn.com/real_estate/storys ... e_to_rent/
by rooms222
Fri Mar 13, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Car Rental Insurance
Replies: 29
Views: 41492

Re: Car Rental Insurance

Just hung up with my insurance claim adjuster. The agent advised opening the claim to act quickly and try to avoid loss of use charges I'd have to pay. The only one who knew the rule about rentals was the adjuster (not agent or claims persons) that my policy has all coverage for my car also for the...
by rooms222
Fri Mar 13, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Car Rental Insurance
Replies: 29
Views: 41492

Re: Car Rental Insurance

My research on this has been that in certain states, car rental companies do not have to provide liability coverage to others that extends to the renter, but they do in most states. I believe California, Utah, and Texas are states where they do not have to provide it. Also, I believe Arizona has tri...
by rooms222
Tue Mar 10, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 2255

Re: Thinking of buying electric shaver

You can go straight to the source for the razors that dollar shave club uses: http://www.dorcousa.com/ they have large discount codes and sampler packs. Also, at Dollar Tree, the Noxzema brand razors use Japanese-made Kai blades that are high quality. I prefer the two blade model to the three blade ...
by rooms222
Fri Feb 27, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Which car should I sell?
Replies: 14
Views: 881

Re: Which car should I sell?

Protégés are undervalued because Mazda changed the name to the Mazda 3. Subarus are highly valued in the market right now. That plus the tires would lead me to sell the Subaru.

My mechanic and my tire guy both drive Protégés bought used, as do I.
by rooms222
Thu Feb 19, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 4986

Re: Car Battery in Unusual Cold

I bought the previous version of this jump starter air compressor as a backup. It also has a light and a USB charger for blackouts. http://www.samsclub.com/sams/450-amp-ju ... rod7120128
by rooms222
Wed Feb 04, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3658

Re: job advice: move to Florida Keys??

This thread touched a lot of personal things for me, so my response from the heart: 1) Experiencing the same Michigan winter as you right now. Most people I know here are down emotionally (seasonal depression) and it's prompting many to look at career and other changes in life right now. Also, lots ...
by rooms222
Tue Feb 03, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Taking a giant pay cut - what steps to take?
Replies: 26
Views: 3110

Re: Taking a giant pay cut - what steps to take?

For Straight Talk, just make sure it is a Verizon phone you buy. For Bring Your Own Device, Page Plus is better. Believe Consumer Cellular is ATT, so no good per OP.
by rooms222
Fri Jan 16, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 4010

Re: Instant coffee

Also, Mountain Peak from Jamaica is very good, but you usually only find it in Caribbean food stores or Amazon. http://www.amazon.com/Jamaica-Mountain- ... B003XIYLPG

It is cheaper (but not cheap) at Caribbean Food stores. Check out the reviews on Amazon.
by rooms222
Fri Jan 16, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 4010

Re: Instant coffee

Nescafe Espresso from amazon, ebay, enjoybettercoffee.com, or my local European market. Enjoybettercoffee.com has a wide variety of imports and so does amazon. Also, as noted VIA is good. Deals are sometimes on ebay or Amazon Warehouse Deals.
by rooms222
Fri Dec 19, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 4114

Re: We made our own Will

If you need a notary, there are public or mobile notaries that will generally notarize documents for $10-$50 in most states. Also, such places as UPS stores and Immigration Photo shops will notarize for a fee.
by rooms222
Fri Dec 12, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4993

Re: Very strange burglary

When I had a similar theft, all the checks were used for pizza and Chinese food delivery. Had to do as police report after they all cleared.
by rooms222
Tue Dec 09, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 2474

Re: A Visit toPittsburgh

We enjoyed the Andy Warhol museum, especially the special exhibits they had. When the weather is good, we want to do the Ducks amphibious tour. My young teenagers loved going to Falling Water most of all, surprisingly (about 80 minutes from downtown).
by rooms222
Mon Dec 08, 2014 11:00 pm
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2594

Re: Help Me Pick Insurer - Safeco - Erie - AAA

As to USAA, the simple version is that widows and widowers are allowed to keep it if they do not remarry, for sure. They may have changed it where they can keep it forever. If an eligible person buys property/casualty insurance, then, their children become eligible to purchase it, and keep eligibili...
by rooms222
Wed Dec 03, 2014 8:24 pm
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4934

Re: Amazon product restricted to Prime members. Is this new?

That is interesting. I think it may be a response to walmart.com. Walmart.com has been price matching more and more Amazon items, but you often have to ship to store, pay for shipping, or buy $50 worth of stuff. Walmart.com is not matching this item, it is $1.72 more. Maybe amazon thinks it will dri...
by rooms222
Wed Dec 03, 2014 8:15 pm
Forum: Personal Consumer Issues
Topic: Auto and Home Insurance Quotes
Replies: 14
Views: 1604

Re: Auto and Home Insurance Quotes

This is an old thread but it encapsulates the general good reputation of Erie. http://www.fatwallet.com/forums/hot-deals/122543/ If the people quoting you did not pull your credit, I am not sure the quotes you are getting are accurate or comparable, because your insurance rating based to a large deg...
by rooms222
Wed Dec 03, 2014 1:48 pm
Forum: Personal Consumer Issues
Topic: Auto and Home Insurance Quotes
Replies: 14
Views: 1604

Re: Auto and Home Insurance Quotes

Indiana Farm Bureau Insurance
by rooms222
Mon Dec 01, 2014 5:35 pm
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 43
Views: 4596

Re: Road Tolls, and Rental Cars

If you go to NYC a lot, you may want to pick up an EZ pass to go from either the MTA or the NY Thruway. Only NY State EZ Passes get the substantial discount on the bridges around the city. You cannot buy this online. If you do, and are not a NY State resident you will be set up with one with a month...
by rooms222
Thu Nov 27, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1769

Re: Should I Fix 1999 Grand Marquis (182K Miles)

I would note the poster stated he wanted to buy an American car, and the suggestions about alternative cars, except for leasing a Chevy Cruze have all been from the non-big 3. I think that you should fix it for a few months. If not, my mechanic and Consumer Reports usually states the several of the ...
by rooms222
Wed Nov 26, 2014 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14703

Re: Girlfriend with a LOT of Student debt.

mavi, a great first post! Of the two law graduates I wrote about previously, the one making around 200K 15 years out never practiced as a lawyer, but worked in a law related field. She worked for the feds and is now a consultant on compliance issues. Both the federal and state government now have ma...
by rooms222
Wed Nov 26, 2014 8:38 am
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1769

Re: Should I Fix 1999 Grand Marquis (182K Miles)

My brother has a 1997. It is very fixable, as all the parts remain relatively cheap and available due to their being in fleet use. Because it is the last body on frame care external parts remain replaceable as well, and available, both from junkyards and cheap aftermarket replacements. He spent abou...
by rooms222
Mon Nov 24, 2014 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14703

Re: Girlfriend with a LOT of Student debt.

My 0.02: She doesn't "get" to work in a lower paying desired field until her debt is paid for. Once it paid she can do what she wants. But she will have to suck it up until then. If she can't see that or isn't willing I personally would move on but hey everyone is different. I would say t...
by rooms222
Mon Nov 24, 2014 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 14703

Re: Girlfriend with a LOT of Student debt.

I know two attorneys that both graduated about 15 years ago with around $150,000 in debt each. Both have made some progress on the debt in the last five years, but little before that. One invested in a coop in Manhattan and made a nice profit on that, rents now, and makes around 200k as a consultant...
by rooms222
Fri Nov 21, 2014 8:21 pm
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1727

Re: Daycare payments - a way to get further discount?

Do you live in CA or HI? The JCB Marukai card is accepted for in-person transactions everywhere Discover is in accepted in the USA and offers tiered cash back up to 3%. With the charges you are incurring, you would get close to 3% on your expenses.

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