Search found 700 matches

by mbres60
Tue Aug 23, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Children inheriting money
Replies: 5
Views: 944

Re: Children inheriting money

Thanks all. How do you name a custodian under the UTMA for retirement benefits? Is that with an attorney? I'm used to going online to Vanguard for my accounts and putting beneficiaries and contingent beneficiaries there.
by mbres60
Tue Aug 23, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Children inheriting money
Replies: 5
Views: 944

Children inheriting money

My dd recently had a baby and asked me if I knew if children could be contingent beneficiaries (they have 401k and Roth IRA). Unfortunately I didn't know the answer. I did a little googling and it sounds like they may need to spend money they don't have on an attorney. What do most folks here do onc...
by mbres60
Mon Aug 15, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2013

Re: Post Office Boxes-Junk and prior renter's mail

Is there an obligation on the receiver of misdelivered or misaddressed first class mail to give it back to the PO? The law is clear on the former... if first class mail is addressed to 1234 and gets delivered to you at 1236, you're supposed to note the misdelivery on the envelope and return it to t...
by mbres60
Fri Aug 12, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 23
Views: 1075

Re: How Much Cash for Wedding Gift?

I see nothing wrong with a check as that is what most people give where we live and where we previously lived. I would also consider though what YOU can afford. Some people have mentioned $200-250 per person which would total up to $500. That is a lot of $$$. When my dd got married 5 years ago (mid ...
by mbres60
Thu Aug 11, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Better to sell house ~ every 15 years?
Replies: 40
Views: 4885

Re: Better to sell house ~ every 15 years?

2 - Central air died at 15 years old????? I'd get a second opinion, I see old 80s vintage units running around here all the time. One thing to consider with HVAC units is that price of ozone killing freon has shot up in the past few years so recharging those older units is getting more and more exp...
by mbres60
Sun Jul 31, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifier
Replies: 3
Views: 365

Aprilaire Humidifier

Our a/c is broken and because it is old we have to replace it and the gas furnace too. We currently have an Aprilaire humidifier and definitely need another one (don't want a 19 year old one on a new furnace). The salesman suggested we go with the model 400 which uses less water. Apparently it wicks...
by mbres60
Thu Jul 21, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone had a POA rejected? [Power of Attorney]
Replies: 25
Views: 1483

Re: Anyone had a POA rejected?

Banks in Florida would not accept the POA unless it was on their own form. I was however able to sell my parents' condo with no trouble.
by mbres60
Tue Jul 12, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 723

Re: Auto Co Equipment or After Market?

Our mechanic had told us if we wanted to do this we would have to pay for the part up front. Today they called and said it was delivered. They don't know why as they did not order it but just inquired about it. This is the OEM. Anyways, at first I said we still needed to think about it for a day or ...
by mbres60
Tue Jul 12, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 723

Re: Auto Co Equipment or After Market?

There is no one size fits all answer to the question of aftermarket or OEM parts. When you buy OEM you have certainty that the fit, function and quality is as good (not worse, not better) as the original. With aftermarket there is a lot of variability. Some aftermarket parts are lower quality and d...
by mbres60
Tue Jul 12, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 723

Re: Auto Co Equipment or After Market?

I would not use second or third hand pricing information to make a decision. #1. Call a couple of dealers yourself for the repair with OEM parts price quotes. #2. OEM is (almost always) more expensive than aftermarket for common parts since they are built to the same standards your vehicle was buil...
by mbres60
Tue Jul 12, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 723

Auto Co Equipment or After Market?

We have a 2003 Buick LeSabre with 162,000 miles. My dh loves the seats and the roominess in it as he is tall. The catalytic converter is not working. Our regular mechanic has given us a price for after market equipment (says people bring the car back saying it is noisier. Also says they don't last a...
by mbres60
Wed Jul 06, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Any suggestions for Las Vegas Shows
Replies: 25
Views: 1355

Re: Any suggestions for Las Vegas Shows

Depending on when next month I would HIGHLY recommend Donny and Marie. Looks like they have performances through Aug 6. Must be on vacation after that or the schedule isn't posted. We saw Jersey Boys and Donny and Marie. While very different both my dh and I absolutely loved both. We got the discoun...
by mbres60
Tue Jun 28, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: Taylor's remarkable list of gems
Replies: 5
Views: 1289

Re: Taylor's remarkable list of gems

Great lists! Thanks!
by mbres60
Mon Jun 13, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5721

Re: Why should FEHB members buy Medicare Part B?

A friend of ours retired from one of these companies two years ago at age 65. She was with Kaiser on the employer plan and wanted to stay with Kaiser's Medicare plan. ... Our friend is getting a defined benefit pension, but zero health insurance benefits in retirement. Her Kaiser plan is identical ...
by mbres60
Sat Jun 11, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Received New Costco Am Ex card
Replies: 10
Views: 1296

Re: Received New Costco Am Ex card

No but I would call Amex to make sure there is nothing fishy going on.
by mbres60
Tue May 31, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8781

Re: Would you pay 6x face value to see Hamilton on Broadway?

Just did some Googling. Lin-Manuel Miranda is leaving late July. Others probably will too as apparently they were on one year contracts. Obviously some will stay on. I am sure it will still be great so it is up to you if you think it is worth spending that kind of money. We all have our preferences ...
by mbres60
Tue May 31, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1459

Re: Birds building nest on exterior house wall

Almost every year we have had birds try to build a nest at our entryway on top of the light by the door. We just sweep away the twigs several times per day til they get the hint. This year they tried and after one day we never saw them again. Is there anyway you can keep sweeping the twigs away so t...
by mbres60
Thu May 19, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance for daughter moving out of state
Replies: 5
Views: 387

Re: Auto insurance for daughter moving out of state

We had a similar situation with Liberty Mutual. No problem with child and insurance because car was in my and my spouse's name. After about 4 years we picked the car up, drove it home and sold it. Didn't see the need to spend a few hundred dollars to retitle.
by mbres60
Mon May 16, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

Regardless of the nature of the email compromise, there are some things you/your husband can do going forward. Instead of just trying to secure your email (e.g. with two factor authentication), you should clean up your email so that the consequences of your email being hacked are minimal. Go throug...
by mbres60
Mon May 16, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 5617

Re: Formal Dinnerware

Beautiful!
by mbres60
Mon May 16, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

Not a techie. What is the difference between email client and webmail? Examples? Today he received two notifications that emails that were sent were returned as undeliverable. One listed a whole long list of info. In it I can see an email address that has .NL which I assume is Netherlands. We figure...
by mbres60
Thu May 12, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: FERS FEHB and Medicare Part B
Replies: 25
Views: 1503

Re: FERS FEHB and Medicare Part B

Go to federal soup.com. Scroll down to Pay and Benefits and find the Medicare and Health Care folder. There have been some threads in there about this although you might have to go back several pages. Basically it is not a clear call. There are penalties for delaying Part B if you should decide late...
by mbres60
Sun May 08, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

Thanks everyone. I'm sure some of this info is helpful to some people reading this. I still am unclear as to our own situation. In our case we never sent out an email to multiple people so this does not apply to our case. In our situation someone looked inside my dh email folders and took the email ...
by mbres60
Sun May 08, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

They have his e-mail address (which they can spoof) and his address book. L. They might have the address book HOWEVER most of the spam emails were sent to organizations that were NOT in the address book. they were however companies he received emails from confirming donations (although one was not ...
by mbres60
Sun May 08, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

The Gmail was an example of something in my spam folder and how if I hovered my cursor over the subject line it showed the true email address it came from.
by mbres60
Sun May 08, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

The bad guys may also be sending spoofed emails out under your husband's name/email address, but not actually using his Comcast account to send them. It's trivially easy to spoof (falsify) the "sent from" address in an email... as easy as it is for you to write a false return address on a...
by mbres60
Sun May 08, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

It's very possible that the very first email he received was actually not from Comcast, but was a fishing scam. If he used a link from within that first email to change his password, then he could have unintentionally given his password to the very people who shouldn't have it. Make sure that he is...
by mbres60
Sun May 08, 2016 6:36 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Re: Email Hacked

So would that mean that changing the password does no good? Most of the spam emails were not sent to people in his address book but instead were mostly sent to organizations that he donated money.

We have a Mac but also have Malwarebites and Avast on it. Nothing comes up in scans.
by mbres60
Sun May 08, 2016 6:19 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3848

Email Hacked

About 10 days ago my dh received an email from Comcast saying his email was hacked. He changed his password. Since then 2x strange emails have been sent out from his account. After the first time he changed his password again. This morning is the second time. Should he keep changing his password? Is...
by mbres60
Thu May 05, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 487

Re: International Travel Insurance

+1 for TripInsuranceStore.com. We have used them several times. Never had a claim but they have always been nice with any questions I have had.
by mbres60
Tue May 03, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Trying to Understand Pension Offerings
Replies: 4
Views: 778

Re: Trying to Understand Pension Offerings

Based on the info you provided I would go with the joint and survivor annuity. If your wife will need this income if you are gone then that is the best choice (the 20 year certain will not pay her anything after 20 years if you pass before 20 years). The social security leveling option sounds to me ...
by mbres60
Fri Apr 29, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 5217

Re: How do you stop robo-calls/unwanted calls?

One bad thing about nomorobo is that some good calls get disconnected. We were waiting for either Medicare or SS to call us back because the hold times were long. When the phone rang it got disconnected. Luckily they called back right away and we got the phone on the first ring.
by mbres60
Thu Apr 28, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6283

Re: What's become of Consumer Reports?

I hadn't noticed. I'd be interested to see what others say.
by mbres60
Thu Apr 28, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 5217

Re: How do you stop robo-calls/unwanted calls?

If your landline is VOiP check nomorobo.com to see if your service has approved them. I have it since I read about it on this forum and it works great. Some calls slip through and I just go to their website and report the phone #. Basically if they recognize it as a robo call they disconnect it afte...
by mbres60
Sat Apr 09, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 23
Views: 1119

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

I filed SSA-44. No documentation needed. I checked off work stoppage. It asked for estimated MAGI for 2015 (remember I was filing in December to start Part B in January). I just needed to hand it to the person at the desk. She went back inside and came back and told me ok. Then I waited for my appro...
by mbres60
Sat Apr 09, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 23
Views: 1119

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

I retired in 2014 and had high income. I went on Medicare Part B in January 2015. They wanted me to pay the IRMAA because the last year's income(2014) was above the threshold. Because I had retired I just needed to fill out a form and say what I expected my 2015 income would be. I received a letter ...
by mbres60
Thu Apr 07, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2912

Re: Cruise trip - Money saving tips

Didn't know that. I just thought it was clever of my friend. I didn't realize they really want people spend money on shore. More likely it is the agricultural import rules. I'm not sure bringing a PB&J on shore would fall afoul of the rules, but certainly you should check. I get the agricultura...
by mbres60
Sat Apr 02, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 31583

Re: Costco Citi Anywhere mailling

I received this in the mail yesterday. I do believer, however, that there are a couple of threads on here that mention all the info.
by mbres60
Mon Mar 21, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 713

Re: 529 - Maryland or Utah

I would probably suggest going with MD and if they get to the point where they have a substantial amount ($50-60k) then they can decide to roll it over to Utah. MD does not (as of now at least) have any recapture provision for people pulling money out that was previously deductible. This. Start wit...
by mbres60
Mon Mar 21, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 713

Re: 529 - Maryland or Utah

Thanks all. I don't know how much they will put in each year but I doubt it is as much as some people on this board. Will they put in $2500/year or even $5,000/year? Again, don't know but more likely the lower amount. I will have to discuss this with them to see what they are thinking of doing. Afte...
by mbres60
Mon Mar 21, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 713

529 - Maryland or Utah

I'm trying to help a close relative who knows little about investing. They live in Maryland and will have their first and expected only child this summer. They have asked me to check into 529 plans. On the surface it seems like expense ratios are much lower for Utah because it is Vanguard. Maryland ...
by mbres60
Wed Mar 09, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mom needs long term care - assets into trust?
Replies: 22
Views: 2433

Re: Mom needs long term care - assets into trust?

My mom recently had an accident and will no longer be able to live independently. She will need to go to a board and care or some other long term care facility. Her only assets are an IRA at Vanguard (low 6 figures), cash in checking and savings accounts (mid 5 figures), a mobile home (~$30k) and a...
by mbres60
Sun Mar 06, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Managing mom's finances
Replies: 15
Views: 1557

Re: Managing mom's finances

Around age 80 my parents needed some help. They had already set up a revocable living trust along with powers of attorney and durable power of attorney for health care. I took care of financial stuff. Both my sibling and I were already on the checking account. This is where SS was direct deposited. ...
by mbres60
Sun Mar 06, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2749

Re: The Coming Costco AMEX Rebate Problem

The current AMEX rebate, for those who don't carry a credit card balance, is .25% of the first $2,000, .5% for the next $5,500, and 1.5% thereafter. If a member charges $18,000 per year on the card, the rebate would be $190: $5 for the first $2,000; $27.50 for the next $5,500; and $157.50 for the l...
by mbres60
Tue Mar 01, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 2831

Re: Mom is 5 Social Security Credits Short - How Do I Help?

She is probably eligible through your father! Go to Medicare.gov and look for eligibility and premium calculator. I filled in fictitious info. If a spouse paid into Medicare (FICA) for at least 10 years and they are over 65 then the spouses (both of them) are eligible for Medicare. It doesn't matter...
by mbres60
Tue Mar 01, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 2831

Re: Mom is 5 Social Security Credits Short - How Do I Help?

Wouldn't she qualify to get Medicare under her spouse?
by mbres60
Tue Mar 01, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27284

Re: Costco AMEX Transition - Costco has no answers

Interesting. I googled it this morning and was able to read it. I just tried it now but I need a subscription. Perhaps they give you a small number of free views, then lock you out if you don't sign up. I rarely read anything on the WSJ by googling. I just happened to do it yesterday morning to rea...
by mbres60
Mon Feb 29, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27284

Re: Costco AMEX Transition - Costco has no answers

Interesting. I googled it this morning and was able to read it. I just tried it now but I need a subscription.
by mbres60
Sun Feb 21, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2295

Re: Medicare Part B

I think SS had no problem with that wording because if you are over 65 and still working you can pick up Part B of Medicare at any time (even though still working). check with SS to make sure.
by mbres60
Sat Feb 20, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2295

Re: Medicare Part B

Why be uninsured for a month? Have the effective date be April 1.

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