Search found 724 matches

by mbres60
Mon Dec 05, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 14
Views: 1059

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: 1115

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: 587

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: 972

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: 1689

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: 1676

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: 751

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: 751

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: 1766

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: 464

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: 1899

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: 1899

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: 1899

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: 560

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: 1899

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: 5010

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: 1336

Re: Medicare Enrollment Strategy?

My dh signed up in the 3rd month after he turned 65. No problems.
by mbres60
Sat Sep 03, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 3480

Re: How Much Cash for Wedding Gift?

There are varying responses because all of us are at different stages of our lives, live in different parts of the country and some can afford more than others. When my daughter married 5 years ago it seemed that many of their friends gave $50 or a little more. BTW this DID NOT cover the per person ...
by mbres60
Sat Sep 03, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12296

Re: Who is ready for iphone 7?

I don't have a smart phone but am thinking about getting one in case of emergencies in a foreign country (my flip phone is too old for an international plan on Verizon). I looked at both the SE and the 6S. Not sure about the differences in features and if I need them. I like a bigger screen to look ...
by mbres60
Fri Sep 02, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 96
Views: 10462

Re: Travel insurance - worth it?

For my circumstances, a recent development has tipped the scales in favor of not buying travel insurance. This is the arrival of my new Chase Sapphire Reserve credit card. The many benefits of the card are discussed in another thread, but the real hidden gem is in the addition of Medical Evacuation...
by mbres60
Thu Sep 01, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 96
Views: 10462

Re: Travel insurance - worth it?

We have always purchased travel insurance whenever we have cruised. Recently I noticed that medical was only $50,000. That seems too low. Previously I believe it was at least $100,000 if not $250,000. After looking online I see a few still have the higher limits but most seem to be down to $50,000. ...
by mbres60
Wed Aug 31, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a CPA firm
Replies: 15
Views: 1324

Re: Starting a CPA firm

My ds started his own firm and found Craig's List to be a great place to find clients. He started off working out of his home and said he met clients in public places such as restaurants or coffee shops.
by mbres60
Fri Aug 26, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12296

Re: Who is ready for iphone 7?

When a new version comes out how quickly does it take for prices to drop on the previous versions?
by mbres60
Thu Aug 25, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Parents have enough for retirement?
Replies: 26
Views: 3790

Re: Parents have enough for retirement?

Just as an FYI your #6 says the amounts of your parents' SSI. SSI is for poor people. It stands for Supplemental Security Income. SS is the abbreviation for social security.
by mbres60
Tue Aug 23, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Children inheriting money
Replies: 5
Views: 1206

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: 1206

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: 2179

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: 45
Views: 3480

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: 5066

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: 424

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: 1613

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: 808

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: 808

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: 808

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: 808

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: 1446

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: 1368

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: 85
Views: 6751

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: 1383

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: 9620

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: 1564

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: 434

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: 4117

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: 5837

Re: Formal Dinnerware

Beautiful!
by mbres60
Mon May 16, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 4117

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: 1640

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: 4117

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: 4117

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: 4117

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: 4117

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...

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