Search found 590 matches

by LifeIsGood
Fri Aug 18, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 7
Views: 1247

Re: Xmas bonus for Honorably discharged veterans

"Your information cannot be found. " I served in the Army between 1966 and 1969. Any idea why my records can't be found? I have a copy of my DD214.
by LifeIsGood
Mon Aug 14, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1162

Re: Need advice on car power window switch work

Are you sure it's the switch and not the motor/servo?
by LifeIsGood
Thu Aug 10, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1684

Re: Need A New Verizon MVNO

I have a T-Mobile account for my iPad and find that coverage is very spotty in my area compared to Verizon.
by LifeIsGood
Wed Aug 09, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1684

Re: Need A New Verizon MVNO

tj wrote:Selectel has the best customer service for a verizon mvno
This looks good except the two plans that would best fit my needs only have 50 MB of High-Speed Data per month. Then data speed will be reduced to 2G until the monthly plan cycle ends.
by LifeIsGood
Tue Aug 08, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1684

Re: Need A New Verizon MVNO

Thanks for all the feedback. I really like the idea of buying a block of data that doesn't expire in 30 days. I've searched Boom but can't find any info. RE: the cost of extra minutes or data if you go over your allotment.
by LifeIsGood
Mon Aug 07, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1684

Re: Need A New Verizon MVNO

keaton wrote:Totalwireless is pretty good, although I like Boom! Mobile as the tax is included in the total.
When you say 4G iPhone? Do you mean an iPhone 4 or an LTE iPhone?
LTE iPhone
by LifeIsGood
Mon Aug 07, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1684

Need A New Verizon MVNO

I've finally had it with Puppy Wireless. Their customer service is terrible and I always seem to have a problem on the weekend. Unfortunately their plans and prices fit my needs the best. I use less than 100 minutes of voice per month and 200mb of data. My wife need 300 minutes of voice and 300-500 ...
by LifeIsGood
Sun Aug 06, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Manufacturers repairing/replacing out of warranty products for free
Replies: 15
Views: 1013

Re: Manufacturers repairing/replacing out of warranty products for free

While riding my bike I found a Leatherman multi-tool laying beside the road. When I opened it, I noticed the tip of the knife blade was broken off. I called to see it could be fixed and they sent me a new tool complete with carrier.
by LifeIsGood
Sun Aug 06, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1174

Re: knee replacement and air travel screening

My knee replacement was only a "partial", not a total but I've never set off any TSA alarms.
by LifeIsGood
Sat Aug 05, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Thanks for Mobile Passport App
Replies: 20
Views: 1586

Re: Thanks for Mobile Passport App

I've used Mobil Passport twice this year in ATL and had 2 very different experiences. The first time I swear it took longer than the people who went through the kiosks. A couple of weeks ago we flew through Customs & Immigration. It's important to keep asking if you're in the right line for Mobil Pa...
by LifeIsGood
Sat Jul 29, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4212

Re: Wooden flooring in kitchen

We've had "real" oak floors in our kitchen for the past 25 years. The only problem has been the divots left from dropping things. Otherwise it has held up remarkably well.
by LifeIsGood
Fri Jul 28, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Best bank for frequent travel friendly international wire transfers?
Replies: 10
Views: 737

Re: Best bank for frequent travel friendly international wire transfers?

I've used Vanguard a couple of times. I wouldn't call the process streamlined but they don't charge any fees and the wires went through without any problems.
by LifeIsGood
Wed Jul 26, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Paypal Question
Replies: 9
Views: 727

Re: Paypal Question

I just logged back into my PapPal account. I can send the gift card balance to someone (I assume I would qualify) for a $7.75 fee, the same as if I sent money via a credit card.
by LifeIsGood
Wed Jul 26, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3683

Re: WiFi Thermostat?

I bought an Emerson Sensi brand an couldn't be happier. It was less than $40 after rebate from power company. We just returned from a 10 day trip and I had set the thermostat at 80 degrees. Just before flying home I was able to adjust the thermostat so the house was nice and cool when we walked in t...
by LifeIsGood
Wed Jul 26, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Paypal Question
Replies: 9
Views: 727

Paypal Question

I had a $250 AmEx gift card that I deposited in my Paypal account. I recently purchased an item for $322 and tried to use the $250 gift card credit as part of the payment. Paypal said the purchase had to be $250 or less in order to use the card. Does anyone know of a way to convert the $250 balance ...
by LifeIsGood
Sat Jul 15, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3343

Re: Urgent 1st world problem [coffeemaker]

Another vote for the Bonavita. It produces a very good cup of coffee for a lot less than the Technivorm. And I'm a bit of a coffee snob.
by LifeIsGood
Thu Jul 13, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1515

Re: Best way to buy a iPAD

Right now Staples has the basic iPad for $289 + tax. I checked my Amex cards and one was offering $30 off $300 at Bestbuy. I got BB to price match Staples so my cost including tax was $276.34 out the door.
by LifeIsGood
Tue Jul 11, 2017 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66370

Re: Bank of America/Merrill Edge - Preferred Rewards

Maybe someone else has had a different experience but when I tried to transfer Admiral shares out of Vanguard, they had to be converted to Investor shares.
by LifeIsGood
Wed Jun 28, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 11
Views: 915

Re: Cellular Data Usage

Is it possible Location Services is using data? Could you try disabling Location Services? Yes Location Services is enabled. I'll definitely disable that. Its now 1:45 pm and I'm now showing 15.3MB used in 7 hours. I have been away from Wifi but only made a 1 minute call. No texts sent, no apps run...
by LifeIsGood
Wed Jun 28, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 11
Views: 915

Re: Cellular Data Usage

bluebolt wrote:Go to Settings->Cellular.

Switch off "Wi-Fi Assist" and see if that helps.


I switched that off a couple of months ago but no difference.
by LifeIsGood
Wed Jun 28, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 11
Views: 915

Cellular Data Usage

I have a prepaid cellular plan on Puppy Wireless (Verizon MVNO). I don't use a lot of data and my 100mb allotment per month is usually adequate. Recently I've been chewing through my limit in just a couple of weeks. No new apps installed, no change in settings. I have an iPhone 6s running IOS 10.2.1...
by LifeIsGood
Wed Jun 28, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2196

Re: Cruise With The Grandkids

Thanks so much to everyone for your responses. So much great information. Passports are not a problem - they all just got theirs this year so we're good to go. One of my major concerns is being a "parent" to 4 kids for a week. We see these kids nearly every week of the year but have never ...
by LifeIsGood
Tue Jun 27, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2196

Cruise With The Grandkids

We're contemplating taking our 4 grandchildren on a cruise. Their ages range from 8-13. Since this is a first time experience, I wanted to keep the length under one week in case there is some buyers remorse mid way through the cruise. I was initially attracted to Disney but was a bit put off by the ...
by LifeIsGood
Mon Jun 26, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3086

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me?
by LifeIsGood
Fri Jun 23, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank and Personal Capital
Replies: 4
Views: 444

Re: CIT Bank and Personal Capital

Thanks for the replies. Turns out I didn't go far enough. I only typed in CIT which brought up all the various permutations of Citi Bank products. When I entered CIT Bank, all was good.
by LifeIsGood
Thu Jun 22, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank and Personal Capital
Replies: 4
Views: 444

CIT Bank and Personal Capital

I recently opened a couple of savings accounts at CIT Bank (I'm pretty sure this is NOT Citi bank) but I'm unable to set them up with Personal Capital. I've emailed them about the problem but never got a response.
Has anyone else been able to set up a CIT account?
by LifeIsGood
Mon Jun 19, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Legal options when merchant and credit card [take advantage of you]
Replies: 7
Views: 1464

Re: Legal options when merchant and credit card [take advantage of you]

I've had good luck filing a complaint with the Better Business Bureau in a situation like yours. I got both problems resolved in my favor rather quickly.
by LifeIsGood
Wed Jun 14, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 1027

Re: Looking To Upgrade My Coffee Roaster

After much debate, I ended up getting the Behmor 1600 Plus. Right now I'm sipping on a Costa Rica Helsar Carlos Alpizar. Nice!

I did briefly look at the Husky but was discouraged by the face that you had to provide a heat source and roasting over my stove was not an option.
by LifeIsGood
Fri May 19, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: How handle home sale proceeds?
Replies: 7
Views: 893

Re: How handle home sale proceeds?

Congratulations on your sale. As long as your profit is less than $250K and you're single, there are no tax issues. A long time ago there was a time limit to reinvest the capital gains but that is no longer. Look for an online bank that offers a bonus for transferring your money in. Right now Cit Ba...
by LifeIsGood
Sun May 14, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1143

Re: Car Rental in Mexico

Thanks again for the additional replies. Very interesting. Watty, you raise an interesting issue with Taxis. A bit more info. about our trip: This is a 50th anniversary family celebration. Six people will be arriving together and go from Cancun to Playa del Carmen for one night and then on to a hous...
by LifeIsGood
Sat May 13, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1143

Re: Car Rental in Mexico

Thanks everyone for the replies. This seems to confirm my suspicions that there isn't a "best" rental company. PowDay, thanks for the heads up RE: the gas scam. I wasn't aware of it.
by LifeIsGood
Fri May 12, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1143

Car Rental in Mexico

We'll be flying into Cancun in mid-July and will need a car for a week. There are an overwhelming number of choices and I've read accounts of bad experiences with many of the vendors. One scam that seems to be prevalent is quoting a rate in USD and then applying a wicked exchange rate when convertin...
by LifeIsGood
Sat Apr 29, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: [Southwest] Airlines Rapid Rewards Dining
Replies: 11
Views: 1058

Re: SW Airlines Rapid Rewards Dining

I have no idea how this program works. All I know is that it allowed me to keep 25,000 points active for another 2 years. I was literally down to losing the points in 24 hours when I found out about Dining Rewards. A quick meal out that night and all was good for another 2 years.
by LifeIsGood
Tue Apr 25, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1976

Re: DIY Yard Tick Spray?

When evaluating the effectiveness of insecticides used topically on pets remember that just because you see fleas or ticks on your pet doesn't mean the product isn't working. The tick you see today may be dead in 24-48 hrs. It takes time for the parasite to absorb the insecticide and die. If the dea...
by LifeIsGood
Sun Apr 23, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Aftermarket batteries for cordless tools?
Replies: 10
Views: 1299

Re: Aftermarket batteries for cordless tools?

I'm not sure what type of cordless tools you are referring to but many years ago I got tired of buying new cordless drills because the new tool cost almost the same amount as a replacement battery. I switched to Rigid cordless tools to take advantage of their lifetime warranty which includes the bat...
by LifeIsGood
Thu Apr 20, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66370

Re: Bank of America/Merrill Edge - Preferred Rewards

ras4250 wrote:Does anyone have any insight as to what parts of the year they bring back the bigger $1000 bonuses?


There is a $900 bonus showing at https://www.merrilledge.com/offers/me900 however it shows the expiration date of April 18th. I'd call before applying.
by LifeIsGood
Sun Apr 16, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 790

Re: Bank of America Direct Deposit Qualifications

I'm ok. This is the first checking account bonus I've ever had. The last checking account I opened was in 1974 !
by LifeIsGood
Sat Apr 15, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 790

Re: Bank of America Direct Deposit Qualifications

I saw the Doctor of Credit link but can't tell how current it is. I need $4k in DD and I doubt I'll have that much from SS before the time limit expires. The bonus is $300. The offered appeared after logging into my BofA credit card.
by LifeIsGood
Fri Apr 14, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 790

Bank of America Direct Deposit Qualifications

I'm trying to qualify for a BofA checking account bonus that requires direct deposits. The only DD that I have is social security and I'm afraid that I won't have enough deposits in 90 days. to qualify for the bonus. A Google search shows that CapitalOne360 transfers do qualify. My letter from BofA ...
by LifeIsGood
Sun Apr 02, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Seller received insurance check for Roof replacement & wants to give check to Buyer
Replies: 7
Views: 878

Re: Seller received insurance check for Roof replacement & wants to give check to Buyer

It's my understanding that the insurance claim stays with the house via the CLUE report so it doesn't matter who made the claim.
by LifeIsGood
Wed Mar 15, 2017 6:00 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 1027

Re: Looking To Upgrade My Coffee Roaster

Thanks Nicolas and David for the info. David, I was happy to see your comment "... results are very consistent within a particular bean". That's one issue I'm struggling with right now. I roast a batch of beans and one pot of coffee tastes great while the next one seems to have bitter notes.
by LifeIsGood
Tue Mar 14, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2941

Re: Finding The "Sweet Spot" on a Roth Conversion

RMD is $73,000. Taxable Interest = 2,336 Ord. Div. = 42,893 Qual Div = 35,765 Cap Gain = -3,000 Taxable SS 22,708 AGI = 64,937 Taxable Inc = 41,737 What is total gross SS income? Taxable SS is a wildly moving target that depends on your other income, which complicates things immensely. Also, is the...
by LifeIsGood
Tue Mar 14, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 1027

Looking To Upgrade My Coffee Roaster

Coffee seems to be a lively topic on Bogleheads. I've been roasting green coffee for the past year using a West Bend Poppery II popcorn roaster and have been pretty happy with the results but wonder how close I am to "as good as it gets". One potential problems seems to be that the Poppery...
by LifeIsGood
Tue Mar 14, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2941

Re: Finding The "Sweet Spot" on a Roth Conversion

Peter Foley wrote:Just to clarify, is the RMD itself $73,000 or will the RMD raise your taxable income to $73,000?


RMD is $73,000.
Taxable Interest = 2,336
Ord. Div. = 42,893
Qual Div = 35,765
Cap Gain = -3,000
Taxable SS 22,708
AGI = 64,937
Taxable Inc = 41,737
by LifeIsGood
Mon Mar 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2941

Re: Finding The "Sweet Spot" on a Roth Conversion

Additional Info:

Status = MFJ
Taxable Income w/o Conversion: $41,737
Currently retired and drawing Soc. Sec. 70% taxable
RMD's start 4/2019
Est. RMD = $73,000

Thanks everyone for your input. Very helpful.
by LifeIsGood
Mon Mar 13, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2941

Finding The "Sweet Spot" on a Roth Conversion

I'm finishing up my tax return and running some "what ifs" to determine how much of my tIRA->Roth conversion should be re-characterized to stay in the 15% bracket. The full $30K conversion would appear to represent an 11.17% tax rate (3352/30000) Here's what I've got: https://s15.postimg.o...
by LifeIsGood
Sat Mar 11, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 4068

Re: 2017 Honda CRV: anyone shopping or buying?

I've had a 2015 CRV Touring for a couple of years so I can't make an apples to apples comparison but can offer a few observations. I absolutely love that the GPS screen turns into a rear facing camera when the right turn signal is activated. No blind spot now. I'm not sure if this is a Touring Only ...
by LifeIsGood
Sun Mar 05, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 20
Views: 1467

Re: Programable thermostat for gas water heater?

Try Googling "Gas water heater TIMER". I have no idea how well these things work or how long the pay back period would be.
http://www.gaswaterheatertimer.com/