Search found 198 matches

by meebers
Sat Jul 22, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 72
Views: 3011

Re: How much electricity are you using and how expensive it is?

squirm wrote:Every month we pay zero, except a ten dollar connection fee.

3000kwh is a lot, we is about 1000kwh on a heavy usage month.


Are you solar/wind or??
by meebers
Sat Jul 22, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 72
Views: 3011

Re: How much electricity are you using and how expensive it is?

Central Florida, all Electric, heat/cool with Heat Pump. Hot Water is by natural gas about $15 + tax and crap fees = $30/month. 2400SF, 4BDR. Bills are for total electric for the house, lights, TV, Hot Tub, Electric Wash/Dryr etc. We average about 800-1100KW per month depending on the season. The cu...
by meebers
Fri Jul 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Why does State Farm have poor reviews?
Replies: 45
Views: 3901

Re: Why does State Farm have poor reviews?

I had SF for 40+ years without issues. My children also had SF. Everything was fine until; 1) Son had his truck stolen from his driveway overnight. Agent that had been collecting $ for years and years told us he could not handle the claim, that we would have to go to another town and file the claim...
by meebers
Fri Jul 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 16
Views: 1621

Re: Questions about security camera systems

I have an 8 camera system that I installed myself about 8 years ago. (winter time to run wires in attic). I has a 1TB hdd that lasts about 2 months before I have to reformat it. The system is on a UPS, (DVR and camera power warts) that should go for 1/2 hr before shut down, when and if there is a po...
by meebers
Fri Jul 21, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1674

Re: Credit card vrs checking account for utility bills

I charge everything unless there is a fee. I am now 95% thru the change. My results were not good. The Electric and Water does not except credit card automatic pays. You can pay on their website with a credit card however??? The Gas company did accept auto payment (no fee)with credit card. Will inq...
by meebers
Fri Jul 21, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Why does State Farm have poor reviews?
Replies: 45
Views: 3901

Re: Why does State Farm have poor reviews?

I had SF for 40+ years without issues. My children also had SF. Everything was fine until; 1) Son had his truck stolen from his driveway overnight. Agent that had been collecting $ for years and years told us he could not handle the claim, that we would have to go to another town and file the claim ...
by meebers
Tue Jul 18, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7155

Re: how to destroy hard disk with personal info

Nothing beats putting them in the middle of your driveway and letting your welder work on it. :mrgreen:
by meebers
Wed Jul 12, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1674

Re: Credit card vrs checking account for utility bills

Tx all, excellent suggestions. Will research the ones that require a "fee" (and how much) and which ones that do not. Great response.
by meebers
Tue Jul 11, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1674

Credit card vrs checking account for utility bills

I have been having the utility company's, (gas, water, electric, cable) auto withdrawal from my checking account for the monthly bills. Been doing it for 17+ years without issue. Just wondering if it would be prudent to change that and have them charge my credit card instead. Seems like it would off...
by meebers
Mon Jun 26, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1093

Re: VG notice of transition

Geez!, read most of the linked threads about this. Some were back in 2014. From the very beginning of my account set up, I often pondered at the reasoning for a MF account and a Brokerage account. Assumed that the brokerage account was to buy/sell funds outside of VG. Some time ago, I got notice to...
by meebers
Sat Jun 24, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1093

Re: VG notice of transition

Wife and I have identical accounts with VG. She received this notice: "In the next week or so, you'll receive an invitation to transition your Vanguard mutual fund account to a Vanguard Brokerage Account. You don't have to do anything now. We simply want to make you aware of what's coming.&quo...
by meebers
Sat Jun 24, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

I am (or have been) in several aspects of this business. Several possibilities occur to me. 1. The posting date and the physical date differ because of some kind of time cutoff for switching the posting date. While you notice the end of month issue, do you notice any other posting/statement dates d...
by meebers
Sat Jun 24, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1093

VG notice of transition

Wife and I have identical accounts with VG. She received this notice: "In the next week or so, you'll receive an invitation to transition your Vanguard mutual fund account to a Vanguard Brokerage Account. You don't have to do anything now. We simply want to make you aware of what's coming."...
by meebers
Sat Jun 10, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

bayview wrote:
meebers wrote:...
But it's ridiculous for them to pretend that the displayed transactions have to carry over to the first of the next month simply because that's when they do it. Even I can write better code than that, and I'm the rankest of SQL amateurs.


Amen!
by meebers
Sat Jun 10, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6586

Re: AAA Cost

$60/year under my name, Fl. Since I also have AAA home insurance I get a $72 discount.
by meebers
Thu Jun 08, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

I can't be of much help because I stopped reconciling my checking account many years ago (a couple of years before I stopped using Quicken). I never found an error and decided it was no longer worth my time. I make sure I always have a balance of $1000 in case there is a check that is written that ...
by meebers
Thu Jun 08, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

Simplistic approach for me is that if it happened in April, it should be on the April statement. Statements don't have to go by the calendar month. If they cut off on the 1st you just enter the 1st as the statement date and the balance as of the 1st and reconcile to the first day of the month. At t...
by meebers
Tue Jun 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

I can't be of much help because I stopped reconciling my checking account many years ago (a couple of years before I stopped using Quicken). I never found an error and decided it was no longer worth my time. I make sure I always have a balance of $1000 in case there is a check that is written that ...
by meebers
Tue Jun 06, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Re: Reconcile monthly bank statement when it contains more than one month

OK, one the the first things she did was call her supervisor, they directed her to the IT department. That's how I found out they updated the software 2 months ago. They then directed her to the "software" people. Both of them were looking at the same screen saying "hummmmmm". Sa...
by meebers
Tue Jun 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1438

Reconcile monthly bank statement when it contains more than one month

Surprisingly indifferent response from my credit union. Starting with my April checking account statement, it would not reconcile. Statement periods are shown on the statement as the 1st day of the month thru the last day of the month. I usually download all the transactions into Quicken and then wh...
by meebers
Mon May 29, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 5201

Re: best way to buy tires

I do research mostly on line, a little local, get the data prices etc. and then head out to Discount Tires. They always beat my "best" deals. Our 2 year old car got a nail in one of the tires, stopped by Discount for repair. Service guy noticed that I had bought tires from them before and ...
by meebers
Mon May 29, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 4151

Re: Not Another Payoff The Mortgage Thread....

PITI (Taxes/Insurance is a given) is just plain EVIL! Spending $1.00 on a mortgage to save $0.25 cents on taxes makes no sense to me. Not having a mortgage in the past has allowed me to pay cash for my present house. PI payments (estimate $2000/month) "savings" for the last 13 years allows...
by meebers
Wed May 17, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: State Farm Drive Safe & Save Program
Replies: 14
Views: 3327

Re: State Farm Drive Safe & Save Program

My son got a call from his SF agent about 6 months after he bought a new truck. They said the "prediction" was that he would exceed the total mileage he had stated on the policy. He got a rate increase. How they got the info remains a mystery.
by meebers
Wed May 17, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3540

Re: Homeowner's Insurance & New Roofs

Long story short, my daughter had a storm, several rooms leaking, drywall damaged etc. Insurance agent came to visit, denied the claim as normal wear and tear. Daughter hired a contractor/lawyer, in the end same result. Now the replacement roof is out of pocket. They will be shopping for new insuran...
by meebers
Wed May 17, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1537

Re: Home cordless phone recommendation, which takes AA or AAA batteries

Tried quite a few over the years, Panasonic KX-TGF353n for me. 5 handsets (KX-TGFA30) in use, the call blocker function is very easy and works great. AAA NI-MH batteries, good Volume and range.
by meebers
Wed Mar 08, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4682

Re: Dispute with neighborhood association

Served as President and Treasurer of our HOA for 13 years. About 85% of people have no problems year after year, pay on time etc. The other 15% always seems to have problems with not getting the invoice, loosing the check, sending it in late with a date about a month ago on the check. You name it, t...
by meebers
Thu Mar 02, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 3549

Re: Replace gas water heater with electric?

I live in a "warm" climate, 2400Sq ft house, 3 bath. I have 55 gal NG WH and a NG fireplace. With the exception of a month or so in the winter, my gas bill is about $30. Of that $30, $15 is for fee's/taxes etc. I do not have a chimney per se, but a 4" metal vent thru the roof. It is n...
by meebers
Mon Feb 27, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Tire Warranties
Replies: 55
Views: 6493

Re: Tire Warranties

I have had good luck with Discount Tire. They have met or beat even Costco to get the sale. Replaced tires on my 2007 truck, however when the wife got a nail in her tire, went there and they repaired it free because I have bought from them before. Costco is a great place, when I went shopping for my...
by meebers
Mon Feb 27, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Non disclosure disagreement
Replies: 1
Views: 367

Non disclosure disagreement

Relative of mine, bought a home in which he intends to use as a short term rental. He used a real estate agent from a major firm. She had mentioned that the home had just been converted from well water/septic system to city water and sewer. Nothing else about it. Two months after closing, he got a b...
by meebers
Mon Feb 06, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 450

Re: Long term or short term

So the 1099-B does not mention dividends at all. It probably says "Purchase date" for those lots and the number of shares. A 1099-DIV shows dividend amounts, but does not mention shares. As others have replied, since those shares were purchased less than 366 days before the sale, they are...
by meebers
Mon Feb 06, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 450

Re: Long term or short term

livesoft wrote:Dividends are paid in cash and don't have a "term."


The 1099-B has Quantity sold (Cost+Div) and split them into separate entries as LT and ST. I selected to have the dividends reinvested in shares.
by meebers
Mon Feb 06, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 450

Long term or short term

Hope this the correct place to enter this question? I am checking a 1099-B from VG. I have questions on what is long term and what is short term. This concerns 1 MF Details below: 1 Buy 2/7/15 2 Div 3/24/15 3 Div 9/22/15 4 Div 12/22/15 5 Div 3/14/16 Sell 5/5/16 VG reports only 1-2 are long term and ...
by meebers
Wed Feb 01, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3373

Re: Treasury Direct Account Locked

I have had an account with TD for many years. It is a difficult site to navigate. Too many links/pages to see what you got. Was thinking about calling them, just looked at the site and I do not see a # to call. I think I fall into the EE or I bonds category and it says I have to email or write. Ther...
by meebers
Wed Jan 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2541

Re: Anyone have experience with plumbing issues or any Plumbers here?

Disaster on my part. I was remodeling my kitchen and it came down to moving hot/cold/drain pipe about 18" so that they would align with the new sink cabinet. Original builder plumber just beat a hole in the adjacent cabinet and the sink cabinet to get the pipes thru. Mine was copper pipe, about...
by meebers
Wed Jan 25, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 15
Views: 2000

Re: Saving on tax software

Easy Rhino wrote:Taxact online is inexpensive if you're e filing Fed and state. Each year after filing I get to "reserve" the next year at a very low price


I did the reserve for many years @ $9.99. They always sent me an email as a reminder. Nothing this year, signed in and now it is $40.00
by meebers
Wed Dec 28, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 15971

Re: How old is your vehicle?

I have a 1965 Pontiac (original owner) that is in my garage. Still Licensed and insured but took some things apart about ~15 years ago, need to get busy and put it back together. It is one of those circumstances that as long as you got this much apart, might as well fix/clean/rehab/replace/update ot...
by meebers
Wed Dec 28, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Residential energy property costs
Replies: 2
Views: 239

Residential energy property costs

Had a new high efficient 18 seer heap pump installed in March 2016. I am told that this will qualify for a tax credit on IRS form 5695, but for the life of me cannot see a place to enter this data. Appreciate an insight here. :happy The only listing there is for a geothermal heat pump, mine is a nor...
by meebers
Wed Dec 14, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2965

Re: Fridge Water Filter Cartridges...A Scam?

Even a bigger rip off is my filter has a RFID tag with it, software in fridge checks it and will shut off the water/ice if it is not changed (new ID) or faked out. :confused
by meebers
Fri Dec 09, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Personal Advisor Services
Replies: 3
Views: 693

Vanguard Personal Advisor Services

Got a snail mail today from VG inquiring as to weather I might be interested in their Personal Advisor Services. "Cost is 1/3rd industry average" (1/3 of 1%??) I have been with VG for several years and self managing my own accounts. Any body have experience with them, good, bad or ugly :sh...
by meebers
Tue Dec 06, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: best brands and where to get them?
Replies: 35
Views: 3988

Re: Hearing aids: best brands and where to get them?

I was able to go to the VA for my hearing aids. They issued me a set of Phonak's after several tests. I started talking to another individual there that was also waiting for his fitting. We seemed to exit about the same time and noticed that they issued him a different brand. Why that was I do not k...
by meebers
Wed Nov 09, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Insurance company watching your mileage?
Replies: 28
Views: 2673

Re: Insurance company watching your mileage?

Perhaps they send that to everyone with low mileage discounts. I know I get them. In my case, they have no clue what my mileage is unless I tell them. However.....they do have access to mileage from my state inspection. The letter projected 11,000 this year with the recent driving record. When foot...
by meebers
Wed Nov 09, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 5596

Re: Cheap, Non-Traditional Cell Phone Plans

I was all set to try puretalkusa.com/cell-plans.php when they doubled their monthly from $5 to $10.
by meebers
Wed Nov 09, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Insurance company watching your mileage?
Replies: 28
Views: 2673

Insurance company watching your mileage?

My son has a 2016 chevy truck, insurance set up was for 7500 miles or less per year (typically uses less). Got a letter from the insurance company notifying him of increase rates and change of annual mileage statement. He has went to a couple of his sons college football games this year, all in stat...
by meebers
Mon Oct 24, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Need help on vehicle purchase
Replies: 4
Views: 599

Re: Need help on vehicle purchase

My suggestion is to go to a dealer of your choice and try them out for sitting, visibility, seat adjustment etc.
by meebers
Tue Oct 18, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a tuff shed from Home Depot?
Replies: 4
Views: 890

Re: Anyone ordered a tuff shed from Home Depot?

I ordered a shed from a local guy. Told them that there was no access to the back yard besides a 42" gate. He said no problem, 2 guys showed up and within a day had it built, including real shingles that matched the house shingles. It has been sitting there for 5 years now. It has survived 2 bi...
by meebers
Tue Oct 11, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 2017

Re: Identity theft -- again

I went on vacation in another state and had my home phone forwarded to my cell phone. Stopped at a gas station and tried to use my card and it did not work, tried one more time which also failed. Just then my cell phone rang and it was my CC company calling me to tell me that someone in another stat...
by meebers
Wed Aug 17, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: VG Prime MM Act vs. Quicken
Replies: 6
Views: 730

Re: VG Prime MM Act vs. Quicken

Doc wrote:Reinvested dividends downloaded from Vanguard don't post correctly on Quicken. You need to change the action from "Div" to "ReinvDiv".



As noted in my first post, VG does d/l them as "ReinvDiv", but the Transaction log on site keeps them as "DIV"
by meebers
Wed Aug 17, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: VG Prime MM Act vs. Quicken
Replies: 6
Views: 730

VG Prime MM Act vs. Quicken

Trying to figure out how the VG Prime money market fund works when funds pay dividends. A simple example, if I have a fund that pays $1.00 dividend/month with a cash balance of $1000, the dividend gets added to the cash balance and equals $1001. At the end of 12 months the balance is $1012. If I loo...
by meebers
Tue Aug 16, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 4284

Re: HOA Ruling

Our HOA covenants are constantly being thrown into the wind by changes in our state statutes. Our HOA lawyers follow the state statutes and "dismiss" for the most part, the HOA documents. Of course we could update our Covenants etc. for $$$ but that would be short lived. :confused

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