Search found 714 matches

by AAA
Thu Jun 22, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3111

Re: Good camera - new baby coming

Finance-MD wrote:I was commenting on 'easy to use.'
I personally recommend a mirrorless camera or a good p&s such as the rx100.
Did you read my entire post?
I take pictures of toddlers and animals with my iPhone all the time.


And I was commenting on responsiveness (shutter lag, etc.).
by AAA
Tue Jun 20, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5733

Re: is luxury car a smarter purchase?

Today, buying any car other than a self-driving car(Tesla?) is not a smart purchase. There is a revolution coming in the automobile world. Few more years, and all current car ownerships and insurance models will be history. We are living in the last years of manual driving. I've seen predictions su...
by AAA
Mon Jun 19, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3111

Re: Good camera - new baby coming

If you want 'easy-to-use' - i would definitely not get a SLR. iPhones are so easy to use, and I find that most people who go the SLR route just give up; just not worth it. I'm not sure of your statistics regarding SLR's, but as the OP's child grows into an active toddler he may find that a smartpho...
by AAA
Thu Jun 15, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1093

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

And as an aside, this is also why it isn't always easy for individuals to know which employer health insurance option is the best fit for a specific family...high deductible,co-pay, etc.. It really comes down to crunching numbers, looking at family health history and medical costs for family member...
by AAA
Thu Jun 15, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2822

Re: internet cost saving strategy

Verizon (and probably all other providers) has a "retention department." Call and ask to speak with them directly. Ask about any discount they can give you. It's worth a try if you haven't already done so.
by AAA
Thu Jun 15, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1093

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

No, it's the insurance company that makes the determination. We spoke with HR during the enrollment period to verify that. Maybe it's just a matter of semantics, but in my case, eligibility had to be verified by the insurance company but it was my company's policy that they were following. It could...
by AAA
Thu Jun 15, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: GE dishwasher rack coating
Replies: 18
Views: 833

Re: GE dishwasher rack coating

We have had little luck with different brands of dishwashers over the years. Our latest one started giving us trouble after what I'm sure is less than five years. Frankly, with just two of us in the house most of the time, I find it easy to just wash the dishes by hand and we haven't bothered gettin...
by AAA
Wed Jun 14, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1093

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

Isn't it your spouse's company's policy that determines eligibility and not the particular carrier that they select any given year? Note that even with the same carrier you may have to have coverage re-certified annually. Also, is it possible that coverage would continue even when your spouse is on ...
by AAA
Tue Jun 13, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1370

Re: Anyone enrolled in Part B of Medicare?

Be aware that Medicare does not have an annual out-of-pocket limit on expenses. That's why it's usually advisable to get a supplemental plan.
by AAA
Wed Jun 07, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 4926

Re: AAA Cost

Despite my username here (which is about bond ratings not roadside assistance companies :) ) - we dropped AAA a few years ago and went with someone else and then eventually ended up with something from our auto insurance company. You might want to check with yours to see what they offer. I don't rem...
by AAA
Wed Jun 07, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: DIY Toilet Repair Questions
Replies: 6
Views: 848

Re: DIY Toilet Repair Questions

Don't try to buy a look-a-like gasket. Run over to Home Depot and get a new fill valve assembly for around $8.00. That's what I did. The washer I replaced was in the supply hose that connects to the toilet. It's good to know I probably don't have to deal with the other washers between the tank and ...
by AAA
Tue Jun 06, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: DIY Toilet Repair Questions
Replies: 6
Views: 848

DIY Toilet Repair Questions

I was replacing the fill valve and noticed that the cone washer in the supply hose was leaving black marks on my hand when it was touched, so I figured that meant it was deteriorating to some extent. I bought a small pack of various size cone washers that included some "friction rings." I ...
by AAA
Tue May 30, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals for Room and Board
Replies: 10
Views: 1332

Re: 529 Withdrawals for Room and Board

EATaxGuy wrote:https://www.law.cornell.edu/uscode/text/26/529

The word "employment" does not appear in section 529 of the internal revenue code.


OK, thanks.
by AAA
Tue May 30, 2017 2:05 am
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals for Room and Board
Replies: 10
Views: 1332

Re: 529 Withdrawals for Room and Board

What does IRS Pub 970, Chapter 8, Qualified Tuition Program, say regarding a student's employment status? Nothing, as far as I can tell. And the only wording re. room and board is what I posted above. The specific situation here is that the person of interest has a full-time job but is attending sc...
by AAA
Mon May 29, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals for Room and Board
Replies: 10
Views: 1332

Re: 529 Withdrawals for Room and Board

No double dipping.
by AAA
Mon May 29, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals for Room and Board
Replies: 10
Views: 1332

529 Withdrawals for Room and Board

(I thought I already posted this but don't see the thread. Sorry if there is duplication). You can make a qualified withdrawal for off-campus room and board if you are at least a half-time student and the amount is the lesser of what the school's financial office estimates for such expenses and the ...
by AAA
Thu May 25, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution
Replies: 9
Views: 1447

Re: HSA contribution

grabiner wrote:The HSA is not even tied to the employer; you can move money between HSA custodians freely. The only connection between the HSA and the employer is that the employer makes a contribution to an HSA at a specific bank.


The employer may also cover the fee for the HSA, if there is one.
by AAA
Sat May 20, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1395

Re: Auto Insurance Question

I had a similar confusion when my auto insurance renewed recently. For the first time none of our kids lived at home and so were only very occasional drivers of our three cars; the cars were a year older from the previous renewal; no claims during the past year and as we are retired and don't travel...
by AAA
Thu May 18, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1714

Re: should I tip repairman for TV?

Most of the people on this forum I would guess won't be adversely affected by giving a tip. It could mean a lot more to the recipient. Tomorrow I am going to walk around my office with a wad of cash and tip all of my employees, because I make more than them so the money means more to them than it d...
by AAA
Wed May 17, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1714

Re: should I tip repairman for TV?

The consensus after many such threads here is that it's a personal decision. We don't tip the appliance repairman that we use because it's his business i.e. he's the owner. When we get something delivered from other businesses, we usually tip. When our internet wiring was installed in our house, we ...
by AAA
Tue May 16, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3336

Re: Homeowner's Insurance & New Roofs

You said a lot of your neighbors got new roofs. Unless I missed it, I don't think you mentioned whether or not their insurance paid for it.
by AAA
Mon May 15, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 4978

Re: Funny Letter [Canceling Escrow Account]

Interesting. Maybe the lesson is - the more glitzy the communication, the more it should be ignored.
by AAA
Thu May 04, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3074

Re: Visiting Paris for 8 days - what to do?

What to do? Unless things have changed a lot since I was there many years ago, watch out for pickpockets.
by AAA
Thu Apr 27, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10107

Re: "Invited" to change to Vang Brokerage

[quote="bloom2708" For most, it is simply a small change that you likely won't notice.[/quote]

When my Prime Money Market Fund was moved into the "new" account, I had to reapply for check writing privileges and it had to be done in paper mail.
by AAA
Sun Apr 23, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 7067

Re: My Doctor says I am "unusual" (declining some blood tests)

Does anyone else do anything like this? My dentist wants to do X-rays at every cleaning. I regularly decline. Once they said they'd quit treating me unless I agreed and I pointed out that you couldn't spit in this town without hitting a dental practice. So we do X-rays on my schedule, not theirs. L...
by AAA
Sat Apr 22, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 6673

Re: Are people aware that Verizon email is being terminated?

I just went through the process. Moving my @verizon.net email address to AOL Mail was easy - just go online to Verizon email and it gives you the link to use. You are supposed to create a new password for AOL Mail (although I'm not sure what would happen if you entered your usual Verizon email passw...
by AAA
Thu Apr 20, 2017 5:05 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 6673

Re: Are people aware that Verizon email is being terminated?

II hate POP! For me, it's actually nice to have vz.net on IMAP now. Thanks for confirming the incoming mail server. I don't know a lot about these things, but for me I'd rather my emails not remain on AOL's servers after I've read them. The advantage of IMAP seems to be that you can read your email...
by AAA
Wed Apr 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 6673

Re: Are people aware that Verizon email is being terminated?

I use Postbox and Apple Mail on a Mac. All I had to do was change the IMAP and SMTP server names (and ports I think). One other slight difference is the user name isn't just the userid, it is the entire email address: Old User Name: bob Incoming Server: pop.verizion.net New User Name: bob@verizon.n...
by AAA
Wed Apr 19, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 6673

Re: Are people aware that Verizon email is being terminated?

Is there a possibility of missing an incoming email while the transfer process to AOL is taking place? If so, how long might the blackout period be?
by AAA
Tue Apr 18, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 55
Views: 6673

Re: Are people aware that Verizon email is being terminated?

Got my notice from VZ yesterday about converting to AOL. Took less than 10 minutes and never had to touch my third-party email program settings. Logged into my email from the AOL site and everything is there. A lot less painful than I imagined. By third-party email program settings, do you mean pro...
by AAA
Tue Apr 18, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: WiFi Security
Replies: 4
Views: 608

WiFi Security

In her previous apartment building, my daughter used a cable modem with an Apple wireless base station to get WiFi. Her current building is apparently not wired and only building-wide WiFi is offered. What are the privacy/security implications of such a setup? Is each tenant usually given a separate...
by AAA
Sun Apr 16, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Insurance, doctors and writing off owed money
Replies: 21
Views: 1917

Re: Insurance, doctors and writing off owed money

how does the insurance record that DW paid the higher amount? They only billed her. They don't have proof of what (or how much) DW paid. I believe that when I used to have a flexible spending account, all I needed to demonstrate an expense was the insurance Explanation of Benefits or bill from the ...
by AAA
Sun Apr 16, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9572

Re: Why would anyone want to buy bond funds?

Not sure other than following some prescribed methodology why anyone would want to purchase bond funds at this point in time? People have been asking this for several years now. Some people moved to cash or shorter duration bond funds with this worry in mind and have consequently missed out on high...
by AAA
Sun Apr 16, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 13166

Re: Do you have an umbrella policy?

I started out with $1M and gradually went up to $5M. Latter is maybe a bit excessive, but when I inquired this year I was told it would only save about $140 a year to drop down to $2M. So I kept $5M - would not be happy with myself should the insurance become needed and I missed out on $3M of covera...
by AAA
Sun Apr 16, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Please help me enter 1099-Q in TurboTax
Replies: 16
Views: 1006

Re: Please help me enter 1099-Q in TurboTax

In years past, I had trouble when answering TT's questions about educational expenses and distributions, especially trying to reconcile the 1099-Q with the 1098-T. Eventually I just ended up skipping that whole section of the interview, or answering No to the question of whether I had received any o...
by AAA
Tue Apr 11, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2616

Re: Breaking up with my Financial Advisor

Just tell him that you have learned enough to take care of your own finances and don't need his services any longer. I inherited an account at a well-known brokerage firm and didn't bother to move it due to laziness as well as to avoid the termination fee. Finally, they raised their account fee to $...
by AAA
Tue Apr 04, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Mass mutual stable value fund rollover to vanguard
Replies: 4
Views: 348

Re: Mass mutual stable value fund rollover to vanguard

Nate79 wrote:I do not believe there are any stable value funds outside of 401k and other employer related retirement accounts.


That's also my impression, from having looked for such a few years ago. But what is the reason for this?
by AAA
Tue Mar 28, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3536

Re: Geico insurance rate increase: 26.24% APY?

Traditional auto insurance does not give give much of a discount for low mileage cars. A car that is driven 1 mile a year will pay 80% the premium of a car that is driven 12,000 miles a year. That seems to defy logic as I would think risk of accident is approximately proportional to number of miles...
by AAA
Mon Mar 27, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 140
Views: 19183

Re: So someone drained $13k from my checking account...

My advice is to be very, very careful about giving out your checking account information to anyone, including credit card companies and utilities. But every check we write has the bank's routing # and our account #, not to mention our name and address (usually) as well as our signature ! Exactly! Y...
by AAA
Mon Mar 27, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3536

Re: Geico insurance rate increase: 26.24% APY?

I have insurance through AARP with Hartford. Our car usage went down significantly during last year and the kids became very infrequent drivers after moving away, so I was expecting some reduction. Got the renewal policy recently and there's a $200 increase instead. They said rates went up in my geo...
by AAA
Mon Mar 27, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 140
Views: 19183

Re: So someone drained $13k from my checking account...

mptfan wrote:My advice is to be very, very careful about giving out your checking account information to anyone, including credit card companies and utilities.


But every check we write has the bank's routing # and our account #, not to mention our name and address (usually) as well as our signature !
by AAA
Sun Mar 26, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

I've read and appreciate all the suggestions, even if I haven't responded to each individually. I'm mailing a letter tomorrow to the person I believe is also a relative and will await his reply before determining the next step. I tried calling the phone number I found for him but am getting a messag...
by AAA
Sat Mar 25, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

Got in touch with the condo president today. He said my relative had a reverse mortgage, the bank took the unit after he passed and there was no equity in the property. He also said many months of condo fees were unpaid. The unit has been sold at this time and the new owners have not moved in yet. H...
by AAA
Sat Mar 25, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

I would speak to the condo board member to find out if he died in the condo or if he was somewhere else like in a hospital or nursing home. The one board member I already spoke with knew absolutely nothing about the circumstances, which is odd considering he lived there for 20-25 years. I am now tr...
by AAA
Fri Mar 24, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

If you don't want to do the recommended suggestions above, can you draw a family tree that shows relationships of people to each other, starting with the deceased's parents? We had another thread about a year ago about a deceased who apparently had sizable assets but had no heirs. A relative on the...
by AAA
Fri Mar 24, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

Have you searched the clerk of court records for the county in which he died as I suggested in an earlier post? If you haven't then please do so as you might find a probate case was opened which could be the thread that helps you get all the answers you need. Yes I did. I called and discussed the l...
by AAA
Fri Mar 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

Regarding the disposition of the condo I'm sure the bank has a time-tested approach. After months of non-payment, or a clue that the mortgage-holder was deceased, the bank could have started a formal foreclosure effort. Without any objection that would be done quickly. After foreclosing on the prop...
by AAA
Thu Mar 23, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

Here where this stands - I was just able to speak with a condominium board member. My relative passed away several months ago. She said there were several months of unpaid condo fees, his apt. was foreclosed and already sold to someone else, his personal belongings were cleaned out and there was deb...
by AAA
Wed Mar 22, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Re: Administration of relative's estate

Gill wrote:Another possibility is to see if you can determine where his mail is going. Mail often gives many clues to a person's financial life.
Gill


My most recent mail to him was returned and marked "deceased," so it is apparently not going anywhere.
by AAA
Wed Mar 22, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2850

Administration of relative's estate

I just found out via a returned letter that a close elderly relative of mine had passed away - close in the sense of relationship, but distant in terms of geography. I’m trying to find out what happened by contacting people that lived in his building in Florida, but so far no luck reaching someone w...

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