Search found 757 matches

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: 593

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: 52
Views: 4051

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: 385

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: 385

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: 709

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: 709

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: 278

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: 278

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: 278

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: 278

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: 32
Views: 1759

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: 738

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: 1265

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: 1265

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: 3546

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: 3167

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: 1445

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 :D 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 an...
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: 1445

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: 1445

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: 1445

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: 520

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: 520

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: 520

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: 4343

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: 1214

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: 675

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: 675

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: 4367

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: 46
Views: 3827

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: 1013

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: 797

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: 627

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: 3082

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: 1753

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...
by mbres60
Wed Nov 23, 2016 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Setting up a college fund for my neice
Replies: 15
Views: 1573

Re: Setting up a college fund for my neice

You might get more responses if you say what your questions are. So far I have read facts only.
by mbres60
Sun Oct 09, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Medicare application
Replies: 6
Views: 633

Re: Help with Medicare application

It may be best not to call the SSA on Monday. They say so on the SSA website. FWIW, the SSA website indicates that if you apply for Medicare up to three months before your birth month, your Medicare will automatically start on the first day of your birth month. However, it is still a good idea to c...
by mbres60
Sun Oct 09, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Best budget Waterpik?
Replies: 13
Views: 1187

Re: Best budget Waterpik?

Interesting what everyone is saying about flossing. A couple of months ago it was in the news saying that flossing is not all it is cracked up to be. A couple of days later I had my appointment with my periodontist so I asked him about it. He said he NEVER said flossing was a must do and wondered wh...
by mbres60
Sat Oct 08, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Parents - 2 Homes - 1 underwater
Replies: 12
Views: 1811

Re: Parents - 2 Homes - 1 underwater

Not an expert but if they don't have to sell then why do it now when they would take a loss? Why not wait a few years especially when they have an available renter (you)?
by mbres60
Wed Oct 05, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Deciding not to refi... Have I missed something?
Replies: 20
Views: 1832

Re: Deciding not to refi... Have I missed something?

I would check rate for 10 year mortgage. Also, the interest rate is so low I would not bother with extra monthly payments although this depends on your age (if you are retired I would pay it off sooner rather than later)
by mbres60
Tue Sep 27, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Smartphone Case
Replies: 15
Views: 877

Re: Smartphone Case

Thanks all. So far I have bought three cases. Two from Marshalls and the third from Big Lots. The two from Marshalls are by Speck. They are hard. One has a scratch resistant faceplate. These were both $5.99. I put the one without the faceplate on my phone and that is the one that made it seem bulky ...
by mbres60
Tue Sep 27, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Smartphone Case
Replies: 15
Views: 877

Smartphone Case

I just recently joined the smartphone club. I bought an iPhone SE. I see that many people buy a case for it. What type is recommended... hard or soft (jelly)? I walk at the mall for exercise and use a cloth cross body bag to put a few things in. No problem with the iPhone. Next day I put on a hard c...
by mbres60
Sun Sep 18, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Neighbors children; should we move?
Replies: 7
Views: 1838

Re: Neighbors children; should we move?

What if you move and your neighbors are worse? It's a catch 22. I don't know if I would move. How old are the kids? I have found that when kids are young they play with whomever is around. Later elementary school age they start to pick their friends and not play with others whom they don't like as m...
by mbres60
Sat Sep 17, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on Long Term Care LTC
Replies: 3
Views: 528

Re: Seeking advice on Long Term Care LTC

I don't know for sure but the annual compound inflation protection might "up" the daily benefit. Check with the company to see. Usually I read here about people who have maybe a 5% inflation adjustment possibly per year so what starts at $150 many years later is a lot more. It sounds expen...
by mbres60
Wed Sep 14, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2119

Re: 16 GB or 64 GB? [for iPhone SE]

I was thinking of waiting to see if price goes down to match Apple. I like the SE because it is small. I am used to putting my small flip phone in my pocket when I walk at the mall. SE fits better than the bigger phones.
by mbres60
Wed Sep 14, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2119

Re: 16 GB or 64 GB? [for iPhone SE]

Thanks! It appears I will be getting a 64 GB. Really bummed though that Verizon is selling it for $50 more than Apple. They did not drop the price the way Apple did once the 7 was announced.
by mbres60
Wed Sep 14, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2119

Re: 16 GB or 64 GB?

Thanks for the replies so far! I think my SIL said I had to buy the phone through Verizon and pay it off monthly if I wanted to add it to his plan and get his work discount otherwise no issue going to Apple to purchase at a lower price. He was also told after paying it off in two years I would no lo...
by mbres60
Wed Sep 14, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Annual travel insurance
Replies: 7
Views: 697

Re: Annual travel insurance

Medjet Assist is not travel medical insurance just evacuation coverage. We are considering purchasing it ALONG with our travel insurance. However I have not found any reviews of people who actually needed to use them.
by mbres60
Wed Sep 14, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2119

16 GB or 64 GB? [for iPhone SE]

I'm going to upgrade from my flip phone to an iPhone SE. We are now traveling more out of the country and if anything happened that I needed to make a call I could not on my flip phone as it does not qualify for an international plan. Anyways... I plan on using it mostly for calls,texts, photos and ...
by mbres60
Thu Sep 08, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Too much life insurance?
Replies: 99
Views: 5623

Re: Too much life insurance?

About leaving a very large inheritance.... keep in mind that it seems like many people squander money they did not work hard for. It is nice to be able to leave some money for one's children but they should work hard for their own money and the extra little something they get at your death should ju...
by mbres60
Mon Sep 05, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment Strategy?
Replies: 10
Views: 1503

Re: Medicare Enrollment Strategy?

My dh signed up in the 3rd month after he turned 65. No problems.

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