Search found 935 matches

by deanbrew
Fri Jun 17, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Aetna Home Medical Assessment
Replies: 9
Views: 691

Re: Aetna Home Medical Assessment

Just say no. Why would you volunteer so much information for so little compensation? I once agreed to such an assessment (online) and had to answer lots of invasive questions. In addition, I had to deal with all the subsequent emails asking more invasive questions. This is pretty much my train of t...
by deanbrew
Fri Jun 17, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should my father continue his awful whole life plan at age 65?
Replies: 16
Views: 1913

Re: Should my father continue his awful whole life plan at age 65?

At age 65 and with several health problems, I almost can't imagine not paying the premium. It would very likely be a gift to the insurance company to let the policy lapse. I am confused about the death benefit, however. At the start, you mention that it is a $100,000 policy, but later mention that i...
by deanbrew
Fri Jun 17, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Aetna Home Medical Assessment
Replies: 9
Views: 691

Re: Aetna Home Medical Assessment

I don't think they will discontinue coverage, since pre-existing conditions and medical condition in general is not part of health insurance anymore - just age, gender, smoking and location. We signed up with Aetna this year and had the same invitation. I'm not exactly sure what it is, or what purpo...
by deanbrew
Fri Jun 17, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Southwest Airlines - Rebooking
Replies: 11
Views: 826

Re: Southwest Airlines - Rebooking

Yep, that's one reason I really like Southwest - the two included bags is the other reason. My wife and I had tickets to San Francisco and back in February. She decided to go to a trade show in Las Vegas for a couple of days before our vacation in SF. I called Southwest and changed our reservation f...
by deanbrew
Tue Jun 07, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: building a house- realtor recommends selling and renting?
Replies: 22
Views: 2202

Re: building a house- realtor recommends selling and renting?

If you can afford it, I would just move the once into your new house and then after fixing up the old one (i.e. painting, etc.) put it on the market. You will be paying two mortgages but it certainly is a lot less hassle. Agree. Moving twice and renting will likely cost more than owning the two pro...
by deanbrew
Mon May 09, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2120

Re: Tips for Selling Bedroom Set

You might also want to look into auctions. We have three auctioneers near us, and we had one come out and empty my BIL's house when he got divorced. The auctioneer came and hauled away all sorts of furniture and household goods, and then auctioned it off over the next few weeks at his weekly auction...
by deanbrew
Mon May 09, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: *IF* VW buys back my TDI
Replies: 37
Views: 3327

Re: *IF* VW buys back my TDI

What exactly is the issue here? VW made diesel vehicles with special software to fool US emissions testing, so now they are potentially going to have to buy back the vehicles with this software installed on them? Why are the owners of these cars upset? Because their car is polluting more than they ...
by deanbrew
Thu May 05, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tax situation on rental properties
Replies: 4
Views: 806

Re: Tax situation on rental properties

You say your mother gifted the properties to you last year. Does that mean there is a deed showing change of ownership? If so, you can quite clearly show when your ownership started. You did not collect any income and are not liable for any taxes before that date. It is typical for any change of own...
by deanbrew
Thu May 05, 2016 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Leasing and renting vs buying cash
Replies: 14
Views: 1410

Re: Leasing and renting vs buying cash

Leasing a car is more expensive than owning except in exceptional circumstances. I found I could lease a BMW for $100/month more than owning my seven year old Honda Fit. That's it, I should lease up @ BMW, right? What a deal! If you read the small print $4400 is due at signing! Rinse/repeat every t...
by deanbrew
Tue May 03, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Leasing and renting vs buying cash
Replies: 14
Views: 1410

Re: Leasing and renting vs buying cash

Just to clarify, I am talking about a way of life. So, one would be renting and leasing indefinitely, paying more (most probably) in the process than someone buying. I am not asking whether it is less expensive, but about if it makes sense when one can afford it and would rather have fewer responsi...
by deanbrew
Tue May 03, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Leasing and renting vs buying cash
Replies: 14
Views: 1410

Re: Leasing and renting vs buying cash

I don't think it's very common to rent or lease a car for a total cost less than buying it, when you consider all factors. But house/apartment rents vary tremendously from area to area and from neighborhood to neighborhood. There are places where you can rent a home for similar or less than ownershi...
by deanbrew
Tue May 03, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 631

Re: Ally's Webroot Secure anywhere Antivirus software - any good?

I have used Webroot for about three years, and am very satisfied with it. It gets very good reviews from antivirus testers.
by deanbrew
Tue May 03, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2691

Re: Buying a house, but sold as is?

As-is simply means they have made all the concessions they are willing to make, and that if there are inspected defects, they will not pay for them. This is my guess, too. Put yourself in the seller's position. As the seller, I have lowered the price already, and are entertaining an offer that is b...
by deanbrew
Fri Apr 29, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6096

Re: Consumer Reports Magazine & Website

I won't rehash most of the above complaints regarding style over substance, magazine redesign, etc. But I will add that the number of products actually reviewed must be down to 20 percent or less of what they used to review. Not only are there fewer actual reviews, but nearly every edition seems lik...
by deanbrew
Wed Apr 27, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

I don't like the boxer 2.5 engine it's older tech and it can leak oil... I'm not sure what you mean by "older tech". Do you mean boxer engines in general? Subaru redesigned the Boxer 2.5 engine in 2011, and the new engine has been used in the Legacy since the 2013 model. Subaru apparently...
by deanbrew
Tue Apr 26, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

I don't want to go over all of the calculations, but some posters need to remember that everyone doesn't drive their cars into the ground or keep them 10+ years. 30k miles and two or three model years is more important in the early years than 12 years down the road.
by deanbrew
Tue Apr 26, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

I was struck by the thought that AWD on a low clearance car is a little bit of a contradiction in purpose, but maybe it doesn't work that way. It totally depends on where you are driving. I've had my Subaru for 5 years, and have never really thought about the ground clearance. I've driven on lots o...
by deanbrew
Tue Apr 26, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

While Hyundai probably sells a quarter of what Honda does it seems I see quite a few on the road here. I guess I'm more in tune to spot them. Actually, in 2015, Hyundai sold a little more than half of what Honda did in the US: Honda: 1,409,386 vehicles; Hyundai: 761,710 vehicles. If you add Kia's 6...
by deanbrew
Tue Apr 26, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

If you are considering a used car, consider a Hyundai. I have rented several times while on trips and been impressed. they have a long warranty period and on the used car market they are less expensive than Honda because the buying public has not caught up to the fact that they are good cars. I agr...
by deanbrew
Tue Apr 26, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

I have owned several Hondas in the past, and own a 2011 Subaru Legacy now. I can't really steer you to one or the other, other than the AWD factor. Both have very similar reliability and quality, IMO. I would go so far as to say that those who say Honda has superior quality and reliability are not ...
by deanbrew
Tue Apr 26, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

A used 2014 accord is not $20,000. OP wants EX or EX-L. A used EX-L is at least 20k at the dealer versus 27k OTD brand new. Used car savings are exaggerated especially if you drive a car for at least 10 years especially when you're talking Japanese econoboxes (highest resale value, reliability). 38...
by deanbrew
Tue Apr 26, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3602

Re: Honda Accord or Subaru Legacy

I have owned several Hondas in the past, and own a 2011 Subaru Legacy now. I can't really steer you to one or the other, other than the AWD factor. Both have very similar reliability and quality, IMO. I would go so far as to say that those who say Honda has superior quality and reliability are not f...
by deanbrew
Fri Apr 22, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 4197

Re: Selling a house with solar panels

The most recent Appraisal Journal, published by the Appraisal Institute, has a study of homes with solar panels in six states. The study indicates that homes with solar panels - the study only looked at properties with owned, not leased, systems - sell for slightly more than otherwise similar homes....
by deanbrew
Thu Apr 21, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9707

Re: Cannot Pay Huge Tax Burden

I'd like to add that I don't see the situation nearly as grim as the OP and some of those who advise to desert a sinking ship. Having said that, I would absolutely think about leaving the high COL area after the SO gets 2-3 years of experience under his belt. With some Big City experience under his ...
by deanbrew
Tue Apr 19, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 3630

Re: Door problems with new Subaru

The car will not lock if a door is ajar. SO if the door is not properly closed, the driver will be unable to lock the car as they are leaving and will realize something is not right. My cars let out a beep if I try to lock it with a door ajar. Is that the way the new generation works? In my 2011, I...
by deanbrew
Tue Apr 19, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 3630

Re: Door problems with new Subaru

There are good dealers and bad dealers, just like there are good auto shops and bad ones. None of them are charities, and they are all making a profit for the work they do, or else they would be out of business. I agree. I've noticed a pretty remarkable improvement in new car dealers over the past ...
by deanbrew
Wed Apr 13, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: How does Billboard leasing work?
Replies: 10
Views: 2481

Re: How does Billboard leasing work?

Hi, I'm reviving an old thread. I'm interested in purchasing a rental property. There is a billboard at the edge of the lot. The street is a relatively busy with 2 lanes each way. The street is lined mostly with houses and a few small businesses. Would having a billboard on the lot affect the mortg...
by deanbrew
Mon Apr 11, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 7050

Re: led vs cfl

I've had several CREE LED floodlights fail within 18 months (I bought a bunch for a store we set up and installed them all at the same time), but Home Depot has been very good with the returns. Some started to flicker or flash before quitting, and others just "burned out". I've returned on...
by deanbrew
Thu Apr 07, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4634

Re: Battling Deer Ticks, Opinions Sought

At least when I am hunting, I am covered pretty well. And typically my son and I will look each other over. But, like I said, how can you be sure one or more isn't hidden in your hair? But I also golf and hike in the summer when it is hot out. I just am not going to wear long pants and shirts in the...
by deanbrew
Wed Apr 06, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4634

Re: Battling Deer Ticks, Opinions Sought

Ughh. Not a very uplifting thread. One of my son's best friends was just diagnosed with Lyme's disease (she's only 21 years old, and I know her and her family quite well). She's been not feeling well for many months, and the doctors have been struggling with why. And my son and I both hunt. All the ...
by deanbrew
Tue Apr 05, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Auto collision, best way to claim
Replies: 25
Views: 1622

Re: Auto collision, best way to claim

I have never heard of an individual receiving diminished value on a collision claim. Is this common? I thought that these tricks like "diminished value" and "loss of use" were invented by rental car companies to gouge the consumer. Individuals PAY diminished value and loss of us...
by deanbrew
Mon Apr 04, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 7050

Re: led vs cfl

AFAIK, and I really haven't looked all that closely, the "instant-on" CFLs are hybrid bulbs that come on instantly with halogen and then allow the fluorescent component to warm up and take over. An evolution of the CFL technology that turns out to be too late. LEDs are the standard for new...
by deanbrew
Thu Mar 10, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 8683

Re: Help with an adults only all-inclusive

No worries. I was just put off by the "If you are going to blame something, ..." statement. You have just as much right to not feel guilty. :sharebeer Yeah, upon re-reading, I saw that the "blame" sentence could come across as argumentative or confrontational, which is not how I...
by deanbrew
Thu Mar 10, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 8683

Re: Help with an adults only all-inclusive

niven wrote:I didn't blame anyone, I just stated fact and said it made us feel a little guilty. We do have that right.


Yes, you do. I was not intending to be confrontational, nor to invalidate your feelings. I was simply explaining my viewpoint, and why I don't feel guilty while in Jamaica or DR.
by deanbrew
Thu Mar 10, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 8683

Re: Help with an adults only all-inclusive

My wife and I went to Couples Negril about 15 years ago. That's the only all-inclusive we've ever tried. It's a lovely place and the waters are fantastic. But there's a lot of poverty you see traveling from the airport to the resort. I guess it made us feel a little guilty. Anyway, if you go to Jam...
by deanbrew
Thu Mar 10, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 8683

Re: Help with an adults only all-inclusive

Never been to Mexico but I can speak highly of Couples Negril (Couples Swept Away is also in Negril but we did not have a good time there) in Jamaica. Awesome smallish resort that will really cater to you. We were at one of the bars and I commented that I like pineapple juice and guess what was in ...
by deanbrew
Tue Mar 01, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 71
Views: 10936

Re: Getting Best Price for a Prescription Drug

What a major PIA buying prescription drugs has become. Between my wife and I, we take four different drugs. Two are used daily, and the other two are more sporadic, as-needed. We now buy the four drugs from four different sources: two different local pharmacies, a mail-order pharmacy through our ins...
by deanbrew
Thu Feb 11, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: magic numbers on checks
Replies: 20
Views: 1811

Re: magic numbers on checks

Interesting. I've heard of it, but never actually seen it before. Is this a small bank / credit union? Mega bank? If it is a small bank, they might run their deposits or checks through a correspondent bank instead of processing the items themselves. Large bank operating in about eight states. I did...
by deanbrew
Thu Feb 11, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: magic numbers on checks
Replies: 20
Views: 1811

Re: magic numbers on checks

I've never seen a deposit routing number that is differnet from the check routing number. My account has different routing numbers on the checks and deposit slips. They show the same account number, but different routing numbers, and the deposit slip says "Do Not Use Deposit Ticket Routing # F...
by deanbrew
Tue Feb 09, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5163

Re: Best Car for Family of 5?

Just because there is something worse out there doesn't change the fact that minivans are poor driving. I realize it's somewhat subjective, but minivans, especially the Honda Odyssey, are much closer to driving a car than full size vans, particularly conversion vans. I've driven several examples of...
by deanbrew
Tue Feb 09, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5163

Re: Best Car for Family of 5?

Good advice. My wife and I always planned on having a third child, until we had a second. Yeah, I wouldn't necessarily count on the third child as certain. I had a friend (who had the three kids) tell me "never let them outnumber you". We stopped at two. I know it's the BH thing to plan f...
by deanbrew
Tue Feb 09, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 71
Views: 5163

Re: Best Car for Family of 5?

A minivan is the answer. If you have 5 people, including a car seat or two, and/or including several people near or over 6' tall, a minivan is the solution. We also have a (2014) Honda Odyssey, and the utility and comfort is incredible. We can haul eight people quite comfortably, as there is plenty ...
by deanbrew
Sat Jan 30, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Should I forward mail to Spain
Replies: 10
Views: 1036

Re: Should I forward mail to Spain

Don't forward. Have someone open and handle for you, and scan and email as necessary. Adios! This is my suggestion, too. I have had occasion to have mail sent to and from Spain, and it has been very unreliable, unpredictable and slow. If possible, I would have someone you trust open the important l...
by deanbrew
Wed Jan 20, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Buy a house with pool & What to look for?
Replies: 20
Views: 1832

Re: Buy a house with pool & What to look for?

Probably repeating questions and comments, but: 1. What type of pool is it? Concrete? Fiberglass? Wood walls with vinyl liner? Steel walls with vinyl liner? 2. Age and condition of pool, filter, pump? 3. Is pool operational? Clear water? 4. Does it have a winter safety cover? If the pool is operatio...
by deanbrew
Mon Jan 18, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1875

Re: Use Local Dealer for New Vehicle Purchase?

Here's what I did. I got a quote from a Subaru dealer from a no haggle high volume dealership about 3 hours away. The price was great. I was ready to buy from them but thought I'd give a local dealer a shot. To make a long story short, the local dealer came within a few hundred dollars of the high ...
by deanbrew
Mon Jan 18, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1875

Re: Use Local Dealer for New Vehicle Purchase?

Get the best price you can - local, out of town or out of state. Doesn't matter where you buy the car - your local dealer will be happy to provide service on it. I've purchased multiple vehicles from dealers that were inconveniently far from home. For routine warranty work, the vehicle would sit at...
by deanbrew
Tue Jan 12, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Seeking Advice on Shipping Costs
Replies: 11
Views: 678

Re: Seeking Advice on Shipping Costs

I bought a small scale for postage. Cost about $10. Was a great investment. But, keep in mind, packages with stamps 12 oz. and over must be handed to a postal clerk and can't be left for a carrier or deposited in a pick-up mail box. Agree on the scale. Comes in very handy. And the correct weight is...
by deanbrew
Tue Jan 12, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Seeking Advice on Shipping Costs
Replies: 11
Views: 678

Re: Seeking Advice on Shipping Costs

I'm not sure I'm understanding the problem. Does the OP have mail delivered to and collected from his location? If so, he can use usps.com to figure out postage cost, whether first class, priority mail, media mail or other. If you decide priority mail is best, pay and print out the label. If first c...
by deanbrew
Mon Jan 11, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: First Time Buying Furniture
Replies: 30
Views: 3009

Re: First Time Buying Furniture

Depending on where you live, also consider auctions and estate sales. My wife and I sometimes go to weekly auctions held by auctioneers, and furniture goes dirt cheap. I'm talking about old, solid-wood furniture (beds, dressers, tables, chairs, etc.). Some is out of style, but some is not, and it go...
by deanbrew
Wed Dec 16, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 4529

Re: Realtor Negotiating Advice

Interesting thread, and a bit surprising that it didn't denigrate to agent bashing too early, though some agents might think some posts are too harsh. While I don't disagree that many buyers and sellers use the internet extensively, don't forget that there are still people out there who don't live t...

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