Search found 773 matches

by mbres60
Sat Sep 23, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 193
Views: 16055

Re: I won the Lottery. Need sound advice.

I hate to be blunt but your tone sounds like many others who won a lottery, spend some here and there and by the time you catch your breath it's all gone. I would pay off your debts by making extra payments over a year, take 5% and splurge, the rest save. Good luck. My calculator says 5% of 1.2 mil...
by mbres60
Wed Aug 23, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4129

Re: Experience finding gas pump card skimmer?

FYI, I was told that the COSTCO gas attendant checks each pump once an hour. I was curious & asked my local COSTCO. I hope their checking is better than them helping to direct traffic to the pumps. Our Costco is quite busy and some people don't pull forward to the first pump when it is empty. Inste...
by mbres60
Wed Aug 16, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1606

Re: HGTV beach front bargain hunter

A good friend was on HGTV House Hunters. Most of the show was filmed after they had already purchased the home. The two other homes they "considered" were not actual homes they were looking at when making the decision to make an offer on their house. The other homes were just units available at the...
by mbres60
Wed Aug 16, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1606

Re: HGTV beach front bargain hunter

A few years ago on the HGTV website where it lists the shows they are casting if you clicked on house hunters it said you had to already have a contract on a house. I also had read somewhere that any house with furniture was not one they "picked". Over the past several years this has held true excep...
by mbres60
Wed Aug 16, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 987

Re: Costco Visa Travel Insurance

Anyone use their travel insurance? We usually buy travel insurance for our cruises. We are taking a relatively inexpensive cruise to the Caribbean for 10 days. Total cost for our inside cabin AND airfare is just under $2600. I was thinking of just purchasing a medical insurance plan for $92-95 and ...
by mbres60
Tue Aug 15, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 987

Re: Costco Visa Travel Insurance

I picked the two companies because the pre existing conditions are covered if payed by final payment. We purchase Future Cruise Deposits when on a Princess cruise and the insurance companies are now considering that our first deposit. With no cruise booked (have two years to do so) we can't buy insu...
by mbres60
Tue Aug 15, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 987

Re: Costco Visa Travel Insurance

RM - Thanks. We use the trip insurance store too although sometimes use our travel agent's Allianz policy which covers pre existing conditions if purchased by final payment. That only covers $50,000 emergency medical. We are on Medicare and our insurance policy for medigap is through my husband's fo...
by mbres60
Tue Aug 15, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Travel Insurance
Replies: 6
Views: 987

Costco Visa Travel Insurance

Anyone use their travel insurance? We usually buy travel insurance for our cruises. We are taking a relatively inexpensive cruise to the Caribbean for 10 days. Total cost for our inside cabin AND airfare is just under $2600. I was thinking of just purchasing a medical insurance plan for $92-95 and u...
by mbres60
Thu Aug 10, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2635

Re: Trip Cancellation Insurance.

If traveling out of the US I highly recommend trip insurance. Seems expensive if you don't use it but if you need it..... then it was a great buy. I too recommend tripinsurancestore.com. Call them and they will help you pick the best policy for you. No extra charge for buying through them as opposed...
by mbres60
Sat Jul 22, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2849

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

Same thing happened to us last summer. Freon leak in a/c. They put more in. It last about 3 or 4 days. Was told it was not worth putting more in. Our system was 19 years old. We were told to replace both furnace and a/c so we went and got three quotes and had it replaced.
by mbres60
Tue Jul 11, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: SS and CSRS retiree
Replies: 8
Views: 827

Re: SS and CSRS retiree

My dh is federal retiree under CSRS. He does qualify for some social security although it is reduced due to WEP. Everyone on here always talks about waiting til 70 to collect to get the highest benefit. Does this also apply to my dh? He is now two years away from getting his full (although reduced)...
by mbres60
Mon Jul 10, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: SS and CSRS retiree
Replies: 8
Views: 827

Re: SS and CSRS retiree

Thanks for your insight. Anyone else have opinions?
by mbres60
Mon Jul 10, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: SS and CSRS retiree
Replies: 8
Views: 827

SS and CSRS retiree

My dh is federal retiree under CSRS. He does qualify for some social security although it is reduced due to WEP. Everyone on here always talks about waiting til 70 to collect to get the highest benefit. Does this also apply to my dh? He is now two years away from getting his full (although reduced) ...
by mbres60
Tue Jun 27, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3869

Re: Consumer Reports Renewal (or not?)

No, I do not feel the same as you. I have had a subscription for years. I just get the monthly magazine along with the yearly buying guide which comes automatically. I do not receive all the marketing stuff you are getting.
by mbres60
Fri May 26, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1425

Re: Should I fax or email bank info?

Thanks for the replies. I ended up emailing the info in two different emails. I had to click on a link from their email which took me to a form I had to fill out. There was a place for me to type the info so in one email I typed the name of the bank with the routing number and in the other typed the...
by mbres60
Thu May 25, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1425

Should I fax or email bank info?

My dh and I are getting a sum of money from British Airways because our flight from London to the US was over 3 hours late. The EU has a specific law that outlines what we are able to receive. I filled out the form on British Airways' website and received an email from them within two days! Pretty r...
by mbres60
Thu Apr 13, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social security: restricted application and spousal benefits
Replies: 6
Views: 854

Re: Social security: restricted application and spousal benefits

I am currently FRA and collecting on my spouse's record. Mine will be more when I do take it. I went into the office. We were told you can't do it online. Best thing is to go to SS website to find the info to show them in the office why they are wrong. When signing up for Medicare at 65 I was given ...
by mbres60
Wed Apr 12, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5014

Re: Car Breaks Down on Long Road Trip

Two years ago we went on a month long road trip around the country. We used our car and luckily had no problem. However, I did discover that a lot of places out west have no cell service. Doesn't matter whose car you are driving.... if you break down in the middle of nowhere with no cell service you...
by mbres60
Tue Apr 11, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Helping daughter w/403b
Replies: 6
Views: 508

Re: Helping daughter w/403b

aristotelian wrote:Fidelity should have a "Growth of 10,000" chart for each fund. Those should be apples-to-apples comparisons of total return, including fees.

When in doubt, go with the one with the lower expense ratio.


It says it DOES NOT include fees. That is why I was having trouble comparing.
by mbres60
Tue Apr 11, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Helping daughter w/403b
Replies: 6
Views: 508

Helping daughter w/403b

I am trying to help my daughter with her 403(b). She just started a new job and has access to Fidelity funds. She has tons to choose from. I am helping her do a 3 fund portfolio. I know many on this forum use Fidelity so my question is which bond fund to use... US Bond Index Premium class (FSITX)(ER...
by mbres60
Thu Apr 06, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 1398

Re: Are Steam Washer Dryers worth the extra $$?

Thanks for the responses!
by mbres60
Thu Apr 06, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Are Steam Washer Dryers worth the extra $$?
Replies: 12
Views: 1398

Are Steam Washer Dryers worth the extra $$?

My daughter and husband need a new washer and dryer. They have a baby. Is it worth about $600 extra to get steam? The steam ones also have a stainless steel tub. Is that worth it too? Thanks.
by mbres60
Mon Mar 27, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Anyone in MD have experience with car being totaled?
Replies: 6
Views: 403

Re: Anyone in MD have experience with car being totaled?

Just came back. Luckily it is not totaled. They can repair and don't have to replace. Almost $1100. Work starts Monday. Thanks.
by mbres60
Mon Mar 27, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Anyone in MD have experience with car being totaled?
Replies: 6
Views: 403

Re: Anyone in MD have experience with car being totaled?

I'm sure tail lights work. Damage is at the bottom of the car. I have to leave in about 8 minutes for the estimate. My car is old but looks and works fine. As said before only about 45,000 miles. Just use it about 2x /week to go to the local gym or doctor appointment etc. Plan on keeping it as long ...
by mbres60
Mon Mar 27, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Anyone in MD have experience with car being totaled?
Replies: 6
Views: 403

Re: Anyone in MD have experience with car being totaled?

Thanks. My damage is near the back of the car and has nothing to do with the operation of the vehicle. To me it is minor damage but I know things cost a lot to fix. Kelly blue book trade in value is anywhere from about $1200-$1800 so I am operating under the idea it will be totaled. I don't like the...
by mbres60
Mon Mar 27, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Anyone in MD have experience with car being totaled?
Replies: 6
Views: 403

Anyone in MD have experience with car being totaled?

My car was parked in a lot and the person who pulled in next to me hit my car. Damage not too bad... dent on driver's side near back (just after the wheel) along with two long scratches. Problem is my car is 2001 Toyota Camry (low mileage car about 45,000). Their insurance company set up appointment...
by mbres60
Wed Mar 08, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3188

Re: Obtaining Bachelors in Accounting @ 30

My son went back to school to become a CPA. Because he had an advanced degree everyone told him to just take the accounting courses. He did not need the extra degree. That is what he did. After almost two years of extra undergraduate courses in accounting he got a job with a CPA. After two years he ...
by mbres60
Fri Mar 03, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Baltic Cruise Suggestions
Replies: 14
Views: 972

Re: Baltic Cruise Suggestions

Don't worry about the sunset and sunrise times. The ships have room darkening curtains. Enjoy your cruise!
by mbres60
Fri Mar 03, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1768

Re: Actual physical ATM access internationally, and then changing notes

We will be going on a cruise this spring in Europe and the Med. What denomination of bills do ATM's give out? How large are they? FYI - AAA has a terrible exchange rate. IIRC, most ATMs give out 50 Euro notes. (Euro is down to about $1.06/Euro, but the last trip I took it was around $1.40). Some AT...
by mbres60
Fri Mar 03, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1768

Re: Actual physical ATM access internationally, and then changing notes

We will be going on a cruise this spring in Europe and the Med. What denomination of bills do ATM's give out? How large are they?

FYI - AAA has a terrible exchange rate.
by mbres60
Mon Feb 27, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 4042

Re: Going to Tahiti and we're budget travelers

We were on a cruise to the South Pacific this past Oct/Nov and stopped in Moorea and Tahiti. They are both beautiful islands. Papeete isn't "beautiful" but once you are out of there the scenery is very nice. Because the islands are so close I would definitely say to hop on over to Moorea. ...
by mbres60
Mon Feb 27, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3547

Re: Help Please, My Identity is at Risk

You can check whether it is encrypted by doing the following: 1) Go to System Preferences 2) Go to Security and Privacy 3) Go to Second tab File Vault If it says Turn On File Vault, this means you hard drive is not encrypted and it is asking for you to take action. If it says Turn Off File Vault, t...
by mbres60
Sun Feb 19, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1728

Re: Is it worth filing an amended tax return?

I phrase the question differently.... Name one reason to file this amended return? I cannot think of any upside. The upside is $18 However, are the downsides worth $18? Filling out the form and mailing it is nothing. It is the IRS I am concerned about (even though this mistake is in our favor and n...
by mbres60
Sun Feb 19, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1728

Re: Is it worth filing an amended tax return?

Thanks all for your opinions. The main thing is we don't want to send red flags to the IRS. We feel our return is accurate except for this but one never knows. The form did look easy to fill out so that is not an issue.
by mbres60
Sun Feb 19, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1728

Re: Is it worth filing an amended tax return?

Ask again in a few months after you get your refund. Why? Never file this early, especially if you have brokerage 1099s. Not helpful. We have only one stock. If we had looked at last years 1099 we would have seen that it was "qualified". Basically we paid a higher tax rate on the $135 qua...
by mbres60
Sun Feb 19, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1728

Is it worth filing an amended tax return?

We filed our federal return electronically on Friday. We are due a significant refund. On Saturday we discovered that we forgot to include one dividend in the Qualified Dividends total on line 9b. It is included in the Ordinary Dividends total on line 9a (from schedule B). All the taxable income num...
by mbres60
Sat Feb 18, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling taxable fund
Replies: 8
Views: 766

Re: Selling taxable fund

Thanks. I figured it would not be the same as a rollover. No fees to close just taxes! Janus twenty is going to be merged into Janus Forty in a few months. I am tired of being surprised with big capital gains. Years ago there was little turnover but that is not so much the case anymore. I just want...
by mbres60
Sat Feb 18, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling taxable fund
Replies: 8
Views: 766

Re: Selling taxable fund

Oh those Janus funds! Back in the early aughts I couldn't get enough of Janus Mercury and Olympus funds. They were spectacularly concentrated in just a few hand-picked vetted companies. They cratered so much that those funds no longer exist. Back to your question. I sold the funds at Janus and clos...
by mbres60
Sat Feb 18, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling taxable fund
Replies: 8
Views: 766

Selling taxable fund

We have a taxable mutual fund (Janus Twenty) that we have had for a long time. It no longer fits our needs so we want to sell. The money from it will go into our Vanguard Index 500. Can we somehow have the money transferred to Vanguard or do we need to receive the money from Janus first and then do ...
by mbres60
Mon Feb 13, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4864

Re: What to do with daughter's $100

I would put it in a money market til there is more money to invest.
by mbres60
Wed Feb 08, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1420

Re: London & Prague recommendations

When we had two days in London in 2015 we took the Hop on Hop off bus theoriginaltour.com. We got off at the Tower of London and took a tour with a beefeater. It was wonderful. We also went to Westminster Abbey. The bus drives by all the major highlights and you can get off wherever you want and whe...
by mbres60
Tue Feb 07, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Barcodes on statements... What are they for?
Replies: 8
Views: 779

Re: Barcodes on statements... What are they for?

Most of these bar codes are at the bottom of every page of a financial statement. They don't show through windows. We once asked someone at a financial institution but they did not know the answer. Was hoping someone on here might know.
by mbres60
Tue Feb 07, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Barcodes on statements... What are they for?
Replies: 8
Views: 779

Barcodes on statements... What are they for?

We are in the process of going through our files and getting rid of old statements. My dh thinks we have to grind everything that has a barcode on it even if no other identifying information. I think that if anyone rifled through our recycling they could not steal our identity or our accounts with t...
by mbres60
Sat Feb 04, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4960

Re: Disney Cruise instead of Disney World?

Each are great vacations. I have never been on a Disney cruise but have been on other cruise lines. I have been to Disney World many times over the years when my kids were young. They are two different types of vacations. If you can't swing both I would choose Disney World but would take your son ou...
by mbres60
Sat Feb 04, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 6146

Re: Robocalls! -- current best call blocker?

We have nomorobo too and like it. However, in the past few months or so we have been getting a lot of spoofed phone numbers. I can tell because they are numbers with the same exchange as ours which is landline and many times (but not all) lists the persons name who owns the phone #. It is not them c...
by mbres60
Thu Jan 19, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Help-Don't understand my mom's TIAA RMD
Replies: 9
Views: 1126

Re: Help-Don't understand my mom's TIAA RMD

+1 to contact TIAA-CREF to see how everything is set up. They are the only people who can really guide you. I just used an online RMD calculator and came up with a little less than what you thought it should be. My feeling is that this is not set up as you think it is. It should probably be set up a...
by mbres60
Sat Jan 14, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Retirement Advice
Replies: 5
Views: 888

Re: Long Term Retirement Advice

I'm sure someone with more knowledge than me will post but I will say that you have way too many funds. Your 401k especially. How about posting the expense ratios for the different funds in the 401k so people can guide you on narrowing those down? You probably have a lot of unnecessary overlap.
by mbres60
Sun Dec 18, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Federal Pension Question
Replies: 3
Views: 688

Re: Federal Pension Question

Under CSRS there is something called Voluntary Contributions (or something like that). You can make payments to it and when you retire you can either take a pension from it (there is a specific formula) or roll it over (contributions to a Roth the rest to a tIRA). Interest rate on the funds you add ...
by mbres60
Sat Dec 10, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 3464

Re: travel to Istanbul

Cruiselines have taken Istanbul off their schedules since sometime during last summer and all of 2017 and 2018. Clearly a reason for it.
by mbres60
Mon Dec 05, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 2005

Re: Smartphone for a low techie

I am not a techie at all. I recently upgraded my flip phone to an iPhone SE. I bought it right after the new one (7) came out. I picked the SE because it WAS smaller and would fit better in my pocket or purse. Also it was much less expensive. I got 64 gb. So far I have just done the basics on it but...