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Re: Smartphone plans and MMS

Google is sort of getting MMS to work without data it appears. Verizon is not yet working for inbound. For all carriers, it seems that outbound sends them a link. The latest is here: http://www.usatoday.com/story/tech/colu ... /17061517/
by rooms222
Mon Oct 13, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone plans and MMS
Replies: 11
Views: 812

Re: Best town I've never heard of [for relocating]

Also, Columbus IN. Less than an hour from both Indianapolis and Bloomington. Also pretty close to Cincy and Louisville. The large corporations there, particularly Cummins diesel have made the town beautiful by subsidizing many buildings to have famous architects design them, and they have excellent ...
by rooms222
Sat Oct 11, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9681

Re: Relocating to a tax free state with good weather need ad

Vancouver WA. Do your shopping next door in sales tax free Portland.
White House TN No income tax, do your grocery shopping in Franklin KY (TN taxes groceries).
by rooms222
Sat Oct 11, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3620

Re: Road trip to Chicago with kids- what to do/recommendatio

The Galloping Ghost, the largest arcade in the U.S., with mostly retro games. All games are set to free play. Play as much as you want, as long as you want for $15. http://gallopingghostarcade.com/ Also, my kids of your age loved looking at all the historic artifacts that were placed into the bricks...
by rooms222
Mon Oct 06, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2522

Re: POA Reporting Requirements to Family

You stated in a recent post that you had no reason to believe that the holder of the POA is doing anything wrong, so this does not apply to you at this time. However, if you did sincerely believe that was the case, in most states, a complaint to Adult Protective Services will result in an investigat...
by rooms222
Sun Oct 05, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1578

Re: W9 form

Although they don't have to report to the feds unless someone's aggregate payments in a year exceed $600, my local governmental entity has a policy that no non-employee gets paid without a W-9. They won't enter them in the computer system without it, on the theory the obligation could eventually exc...
by rooms222
Wed Oct 01, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: W9 form
Replies: 3
Views: 234

Re: Lakefront property with small children?

U.P. of Michigan here. Besides lessons, teach and follow the adages "Nobody swims alone" & "Only swim when an adult is present."
by rooms222
Tue Sep 30, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2109

Re: EZ-Pass scam?

Yes, if you are a New York resident, you don't pay a monthly fee for the EZ Pass issued in NY. This is a NY state law,but it only applies to residents of NY. If you are not a NY resident, they will charge you a monthly fee on many EZ Passes from the NY Service Center. If you sign up online, you will...
by rooms222
Fri Sep 26, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1515

Re: [which] toilet paper [from walmart.com?]

Scott has switched to the 27 roll pack for online orders, because it saves on shipping. Other than what used to be called the Big Roll at Walgreens (on sale), there is no substitute for Scott. Walmart.com does have it for around $20, but you need a $50 total order to get free shipping. http://www.wa...
by rooms222
Fri Sep 26, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2956

Re: Advice for student buying cheap used car

Buick, Olds, and Grand Marquis are all cars that have a lower price tag due to their undesirability to younger people, and are likely to have been pretty well maintained. I had a money pit Honda Civic that looked great, I knew my friend had had bought it as a repo, but the real surprise came after I...
by rooms222
Tue Sep 23, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3270

Re: Advice for student buying cheap used car

In my area, the 2001-2003 Mazda Proteges are around or just below $3000, partially because the next generation was called the Mazda 3. The 2005-2006 Scion Xb has stability control and is in the $3500-4500 price range.
by rooms222
Mon Sep 22, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3270

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: 36
Views: 1998

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: 1462

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: 1588

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: 842

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: 1329

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: 2008

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: 1900

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: 1329

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: 723

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: 1900

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: 807

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: 2177

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: 845

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: 17871

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: 17871

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: 2445

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: 745

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: 1729

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: 1729

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: 2155

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: 4964

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: 41
Views: 2604

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: 1463

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: 1463

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: 1463

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: 3330

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: 2512

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: 2512

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: 3898

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: 3898

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: 8351

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: 1799

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: 712

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: 978

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: 8970

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: 1941

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: 3066

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: 3066

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: 4680
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