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Re: Tour travelling by bus

My daughter rode Lamers this summer for about 25 hours, as they are the official charter bus for the Michigan Tech Summer Youth Program. She had great things to say about the bus and the people working for that company.
by rooms222
Wed Sep 17, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 28
Views: 1376

Re: low expense mobile phone?

Looking at the plans that would let you keep using the phone that you have, Pageplus as mentioned above is the most obvious choice, and the one that will likely be the easiest. Another option is Redpocket which as a $19.99 plan with unlimited texts, 300 minutes of talk and 1 GB of data. It also has ...
by rooms222
Sat Sep 13, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1341

Re: Combo Plan

It is often called a hybrid plan as well. Ours has both a defined benefit side and a defined contribution side, but for legal purposes (IRS compliance) it is considered one plan under section 401(a) of the IRS rules.
by rooms222
Fri Sep 05, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Combo Plan [Retirement plan]
Replies: 22
Views: 1538

Re: Changing Residency from MN to Hawaii

Minnesota appears to be particularly tough with this lately: http://www.startribune.com/business/255429801.html If you do not sever all ties, you may need legal help to make sure you set up the strongest case possible, according to this recent MN Supreme Court case. http://mn.gov/lawlib/archive/supc...
by rooms222
Fri Sep 05, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Changing Residency from MN to Hawaii
Replies: 4
Views: 794

Re: Rental Car Insurance

Great idea..... Or dare I say it a minivan? You could get a mid-2000's Pontiac Montana or Dodge Caravan for $4-7k.
by rooms222
Fri Sep 05, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Insurance
Replies: 18
Views: 1231

Re: Do I Even Need a Trust?

Another reason to have a trust is if you own property outside of your state of residence. Real property is probated in the state where it exists. With this property in a trust it does not have to go to probate in the that state. In fact it can avoid probate altogether as far as the property is conce...
by rooms222
Thu Sep 04, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1950

Re: Do my in-laws need a will?

Many states have fill in forms for simple wills and such for non complicated cases which at the very least will be better than intestate. Yes you need a will. Michigan provides a free way to do this. The Michigan Statutory Will I linked to earlier (and also below) is a free document provided by the...
by rooms222
Thu Sep 04, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1842

Re: Rental Car Insurance

What state are you renting from? Most states require the rental company to provide at least the state minimum in liability coverage. IIRC Califprnia, Texas, and with the right disclosure, Arizona do NOT provide any liability coverage at all. The CDW provided by credit cards covers the rental car its...
by rooms222
Thu Sep 04, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Insurance
Replies: 18
Views: 1231

Re: What to do with Canadian cell phone in the U.S.?

I think the M is to indicate that it has English and French as the languages in the phone. Trac Fone sold the 275G in America, and it had English, Spanish, and Automatic (by SIM Card language) as language choices, where the 275M has English and French.
by rooms222
Tue Sep 02, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 697

Re: Do my in-laws need a will?

The state government of Michigan has a simple statutory will that would be easy to execute and would be much better than no will. It is designed so everything goes to the spouse. Up to two cash gifts to others can be given, if desired. Also, a list of any possessions to be given to anyone other than...
by rooms222
Mon Sep 01, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1842

Re: Cold Brew Coffee and whole coffee beans

My setup cost $12. I use a 3L (Nestle hard plastic Water Bottle with the wide mouth available at Walmart and most other stores). Cost $1 at Walmart. i use the Melitta 6 Cup Carafe to filter the coffee when done. $10.99 at Amazon (cheaper with Subscribe and Save). I put 20 teaspoons of coffee in the ...
by rooms222
Mon Sep 01, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Cold Brew Coffee and whole coffee beans
Replies: 7
Views: 746

Re: NYC [Visit to New York City]

The Cloisters Museum http://www.metmuseum.org/visit/visit-the-cloisters The Edgar Allen Poe Cottage http://www.bronxhistoricalsociety.org/poecottage.html Grant's Tomb http://www.nps.gov/gegr/index.htm Take the A train over the water to the Far Rockaways https://www.youtube.com/watch?v=nkiCJc0FzPI Ca...
by rooms222
Sun Aug 31, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2054

Re: Auto Loan Payoff question

Get a high yield checking account and direct deposit the payment for your loan from work and make the payment from the high yield checking account bill pay each month to earn 1.75 APR on up to $25,000? If you sign up for estatements, this credit union will pay you 1.75 APR on up to $25,000. These st...
by rooms222
Sat Aug 30, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Loan Payoff question
Replies: 7
Views: 820

Re: My husband's " WILL", $ left for me to live on....

Having a minor child involved is a key issue here. The Family and Probate courts are much more likely to step in than if it was just the spouse involved. Many states have provisions to extract assets from the estate if "sufficient" provisions for the minor child, as interpreted by the cour...
by rooms222
Fri Aug 29, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17326

Re: My husband's " WILL", $ left for me to live on....

Neither of you can waive child support, and the prenup is potentially breakable with such unfair terms, in many states. A settlement would likely require him to pay for healthcare and buy insurance or make other provisions for the child. You should confidentially consult a top family law attorney in...
by rooms222
Thu Aug 28, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17326

Re: Debating whether to keep current vehicle or purchase ano

AAA Plus membership is 100 mile towing in most place. It would suit your needs better than a regular membership.
by rooms222
Thu Aug 28, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2383

Re: Guidance on car insurance

The Thruway only allows certain authorized towing companies to provide service. AAA has made a deal to have their tow companies have access. If you live in the Northeast, where these restrictions are commonplace, you should make sure your auto club has access (including AAA on other restricted roads...
by rooms222
Thu Aug 28, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 720

Re: Another Smartphone/Verizon Question

denovo wrote:
tyd450 wrote:if you wait it out another month or so then all verizon prepaid including page plus will have 4g LTE.


Is this a rumor?


Yes.


howardforums.com is often the best forum to catch up on cellphone choices.
by rooms222
Thu Aug 28, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1669

Re: Another Smartphone/Verizon Question

The Verizon Iphone 5 and newer have a SIM card slot and are unlocked due to a settlement by Verizon. Buying used you would want to make sure they can be activated on Verizon. Straight Talk's Iphone 5 is on Verizon. If you buy the Straight Talk Verizon Iphone 5 and newer (from their website, Walmart,...
by rooms222
Thu Aug 28, 2014 1:16 am
 
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 1669

Re: Trust for disable grandson

Many states have attorneys that specialize in special needs trusts for those with developmental disabilities. They can help minimize the chance that disability or medicaid benefits are jeopardized, or forced into "spend-down" before benefits are resumed. This can be especially important as...
by rooms222
Wed Aug 27, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trust for disabled grandson
Replies: 27
Views: 2085

Re: Buying a home with aluminum wiring?

Second, my relative who has been an electrician for over 25 years told me about an experience where he saw aluminum wiring glow red hot inside of an electrical box while the outlet had an electric heater plugged into it. Yes, that is a special concern with aluminum wiring. My parents have had a hou...
by rooms222
Fri Aug 22, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4706

Re: Fostering Change in HOA

Also, since getting rid of the cable is a change in the status quo, those who enjoy the cable will not want change as their rates will go up. Satellite will not be an alternative for some, because there is nowhere to put an antenna that faces correctly to pick up the satellite. They may want access ...
by rooms222
Thu Aug 21, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 2155

Re: Online property tax payment lost

I pay property taxes to my town. For an unknown reason, they appear to strongly dislike online bank payments and make sure that those of us who pay directly (as opposed to the tax coming from the mortgage escrow account) are aware of that. After reading the town's disclaimer, I found it easiest to ...
by rooms222
Sun Aug 17, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1405

Re: Online property tax payment lost

[quote="Saving$"]1. When dealing with governments, I find they must literally go by the letter of the law, so these issues are generally not negotiable. I would find out if your county goes by postmark, or if they go by actual date of receipt of check. - if by postmark, you have a strong c...
by rooms222
Sun Aug 17, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1405

Re: Online property tax payment lost

A thorough discussion of a similar lost local tax bill through Alliant was discussed here: http://www.fatwallet.com/forums/finance ... est=1#last
by rooms222
Sun Aug 17, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online property tax payment lost
Replies: 23
Views: 1405

Re: Mac Airbook

I have been a believer in Apple Care for the Macs. I buy it on ebay at a discount.
by rooms222
Sat Aug 16, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3221

Re: Who sells fresh coffee that is not as strong as Starbuck

I agree that good Robusta can be an important part of some very good coffees. Also, people who grow up in countries where Robusta is the normal coffee develop a real craving for some of the flavor notes in it. The #1 seller on Amazon is a coffee that contains a minority of Robusta and is a great exa...
by rooms222
Sat Aug 16, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2408

Re: Who sells fresh coffee that is not as strong as Starbuck

There are basically two types of coffee beans... arabica and robusta. Robusta has very high caffeine content, arabica does not. Arabica also tends to have much better flavor. Most of the time you see some blend of the two, but Starbucks is near 100% robusta. Typically in the U.S., people go nuts ov...
by rooms222
Fri Aug 15, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2408

Re: Wills, Spouses, Prenups, etc.

IANYL, but in my state, full disclosure of assets and having the opportunity of independent representation (paid for by the other side if necessary) are key to a pre-nup being upheld. If I were representing him, I would have made sure she had her own attorney (or a signed disclosure by her that she...
by rooms222
Mon Aug 11, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3800

Re: Wills, Spouses, Prenups, etc.

IANYL, but in my state, full disclosure of assets and having the opportunity of independent representation (paid for by the other side if necessary) are key to a pre-nup being upheld. If I were representing him, I would have made sure she had her own attorney (or a signed disclosure by her that she ...
by rooms222
Mon Aug 11, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3800

Re: Which 4 door with 250+ hp

I would test drive the manual on any car you are interested in, as the power response is often quite different, in a positive way for the manual. I would look at the Scion tC as well. It was designed to be in the same class as the Subaru you liked, and has bulletproof reliability. I had one of the f...
by rooms222
Sat Aug 09, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 7953

Re: Can I get a Mortgage anywhere?

Just a small counterpoint to the last post. I was doing an FHA streamline refinance, and the vast majority of banks did not want the business or charged much higher rates. I was told this was because increased Federal scrutiny on these loans meant that it was considered a risky business for most ban...
by rooms222
Fri Aug 08, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get a Mortgage anywhere?
Replies: 18
Views: 1773

Re: Unlocked phone question with Cricket Wireless

You can switch the SIM, but will have limited functionality. Blackberries generally require Blackberry service (Blackberry data plan or BIS) to use all of their features. On the GSM side, where you are most interested, you could best use your existing phone on TMobile prepaid. TMobile allows a free ...
by rooms222
Mon Jul 28, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Unlocked phone question with Cricket Wireless
Replies: 4
Views: 682

Re: Just purchased a condo. Insurance question

Also, if you have a mortgage, the mortgage company may require certain minimums. When I refinanced, the new mortgage company made me raise certain aspects of coverage. It added about $20-50 a year to the coverage.
by rooms222
Sat Jul 19, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 970

Re: The Great 100 thousand dollar pension question.

One last thing about limited opportunities to buy air time (or to let defined contribution people convert into defined benefit). If many people do either, the funding percentage of the plan will generally go down (at least for a while) as the obligations being added are actuarially larger than the c...
by rooms222
Mon Jul 14, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 71
Views: 8820

Re: University of British Columbia - Vancouver?

Went there for a year in the 1980's. Beautiful campus right on the ocean. Good transportation links to downtown and elsewhere, so no need for car. Great city with lots to do. Often cheaper to fly into Seattle and take the bus right from the airport. Rigorous competition and a tougher grading system ...
by rooms222
Mon Jul 14, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: University of British Columbia - Vancouver?
Replies: 31
Views: 1893

Re: Assisted Living Residence and Care Agreement - Questions

Links above are fixed. I did a cut and paste when I posted on the wrong thread, and it truncated the links.....
by rooms222
Sat Jul 12, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3019

Re: Assisted Living Residence and Care Agreement - Questions

Pennsylvania has some unusual laws, both about how things pass at death and children's responsibility for their aged parents. POD transfers are not allowed in PA, to my understanding. Instead there is a trust situation created, that can have unusual implications. I believe Nolo press, usually a grea...
by rooms222
Sat Jul 12, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3019

Re: Light Bulb Durability

I have had poor experiences with Feit's LED and CFL bulbs. They do not stand behind their products. If you want to use them, I would suggest buying at either a Warehouse Club or Menards, and keep the receipts. They will replace or refund them within a year or so after purchase, if you have the recei...
by rooms222
Sat Jul 05, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4584

Re: Relative use my address to start business?

Two other risks to being a registered agent for someone else, using your home address: 1) Both your name and the company name will show up in some public databases and on the internet with your home address. 2) You may receive correspondence that mixes your name and the company's. The one I got was ...
by rooms222
Fri Jul 04, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relative use my address to start business?
Replies: 13
Views: 1409

Re: I found a new coffee.

The Lavazza cited above ( http://www.amazon.com/Lavazza-Ground-Coffee-Italian-8-8-Ounce/dp/B001E5E0D8/ref=sr_1_1?ie=UTF8&qid=1404418013&sr=8-1&keywords=lavazza+gusto ) is a very good coffee and shows that using a good amount of quality robusta can make a great coffee (I have friends from...
by rooms222
Thu Jul 03, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5629

Re: Why is lump sum payout for pension so low?

I agree. Also, I don't think they really want you to cash it out, but probably have some political pressure to offer a lump sum. Thus, a lump sum that is a bad deal.
by rooms222
Wed Jun 25, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is lump sum payout for pension so low?
Replies: 20
Views: 1815

Re: Used Books

I have my Capital One card entered into abebooks.com, so I don't pay the foreign exchange fee. Abebooks itself is Canada based, even if it is charging in US dollars, thus the foreign exchange fee. It is a subsidiary of Amazon now, I believe.
by rooms222
Mon Dec 30, 2013 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Used Books
Replies: 30
Views: 2080

Re: Tips for a One-Way U-Haul Move

Also, if you can control the dates of your move, avoid around the 1st (and to a lesser extent the 15th) of the month. There is a huge increase in demand, generally higher prices, and more chance your truck will not be there.
by rooms222
Mon Dec 23, 2013 8:30 am
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 2195

Re: Ordering tires from Costco

I know I paid for tires with Paypal on costco.com. When they were not the correct ones for my car, the tire guy walked me to the customer service desk and they gave me back about $600 in cash.
by rooms222
Sun Dec 22, 2013 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Ordering tires from Costco
Replies: 25
Views: 3297

Re: AMEX Premium car rental insurance. Worth getting?

Delta Community Credit Union (which anyone can join through joining an affiliate) has $25,000 of free primary coverage, good in all countries, and then backup coverage through Visa. Details are found here: https://www.deltacommunitycu.com/SpecialPages/Knowledgebase-Article.aspx?Query=&artid=420...
by rooms222
Sat Aug 17, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 8604

Re: Toyota - Supply Vs. Demand

Also, this is the time of year where special ordering is generally most difficult, model year changeover. Production on the 2013s is ending (or ended) and the 2014s are not fully up and running (and may undergo changes in options). It may be easier to order in a couple of months..... Also, on the od...
by rooms222
Wed Jul 10, 2013 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Toyota - Supply Vs. Demand
Replies: 35
Views: 3139

Re: AMEX Premium car rental insurance. Worth getting?

Delta Community Credit Union (which anyone can join through joining an affiliate) has $25,000 of free primary coverage, good in all countries, and then backup coverage through Visa. Details are found here: https://www.deltacommunitycu.com/Specia ... artid=4205
by rooms222
Wed Apr 24, 2013 7:09 am
 
Forum: Personal Consumer Issues
Topic: AMEX Premium car rental insurance. Worth getting?
Replies: 40
Views: 8604

Re: Laundry Detergent Issues

1) Cheer Dark really works on stopping dark clothes from fading. It is made by the same people that make Tide, and it really is a special attribute of Cheer, especially Cheer Dark. I saw a CBC consumer show where after 25 washes the Cheer Dark black clothes looked much better than Tide or Woolite Da...
by rooms222
Wed Apr 24, 2013 2:55 am
 
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 5706

Re: Buying car from rental companies such as Enterprise, etc

My friend bought a small Kia from Enterprise and has been very happy overall. Be sure to inspect the body carefully, as there was a small chip on the hood that got worse and had to be repaired. Enterprise paid for the repair about a year after she bought the car.
by rooms222
Tue Apr 23, 2013 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying car from rental companies such as Enterprise, etc..
Replies: 16
Views: 1641
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