Search found 197 matches

by retire14
Mon Sep 18, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Do I need an umbrella insurance?
Replies: 8
Views: 679

Do I need an umbrella insurance?

We are retired. Our assets are about 2/3 in retirement accounts and 1/3 in taxable account. Do I need an umbrella to protect the 1/3 in taxable? I understand that no one can sue for assets in retirement accounts.
by retire14
Sun Sep 17, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Driver Sealant- Recommendations
Replies: 5
Views: 437

Driver Sealant- Recommendations

I have a relatively small driveway (30 ft x 20ft). A contractor wants $200 to seal. Thinking about DIY to save probably $100. Messy job I know, but I have the time :)

What sealants are you using and recommend? I have Lowes nearby. TIA
by retire14
Thu Sep 14, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Internet phone-Help
Replies: 4
Views: 387

Internet phone-Help

My neighbor has a package with Comcast (TV/phone/Internet). He is now working from home and need 1 additional line and one fax. He asks me to help find a solution. I am thinking that something like a Ooma box can provide him with 2 lines: one for phone and the other somehow needs to be configure to ...
by retire14
Thu Sep 14, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a mess
Replies: 21
Views: 3162

Equifax is a mess

I requested their TrustID offer and still did to get a e-mail with a link to enroll. It has been more than 24 hours.

I could not get the report freeze online. Keep saying try again later. I've been trying several times since yesterday.

Anyone else experiences the same fiasco?
by retire14
Thu Aug 31, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 899

Re: Help Customizing Streaming TV Options

I have DirecTV Now and like it. The $35/month package has everything you want (except NFL). You also need to check if local channels are included in your area (mine does not, but I use one of those leaf antenna from Amazon to get local channels).
by retire14
Mon Aug 28, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 2158

Re: Comcast got me over a barrel-Help

1. $50 for 5MBs upload and 3MBs download 2. $75 for 75MBS upload (Performance Tier) I'm confused because "1" has a higher upload speed than download speed. Usually download speeds with Comcast are HIGHER than upload speeds (In my area I was getting 150Mbps download and 10Mbps upload). Are you sure ...
by retire14
Mon Aug 28, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 2158

Re: Comcast got me over a barrel-Help

Comcast considers you a new customer every 6 months. If you live with someone, just cancel your current service. You will need to talk to someone, just tell them you are moving out of the country. Then have the person you live with sign up for whatever deal is going on. We have been getting $19.99/...
by retire14
Mon Aug 28, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 2158

Comcast got me over a barrel-Help

I have internet only with comcast (my TV is OTA plus DirectV Now streaming and phone is Obihai box). I have been paying $50/month. Now Comcast increased to $89/month because my 1-year "promotion" is over. I do not have another provider so I am forced to pay, but I can downgrade my service to: 1. $50...
by retire14
Tue Aug 22, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1377

Re: Paying for Medicare when not collecting Social Security

I checked but there was no automatic way to pay via credit card. I sent in the payment form with my cc info via snail mail. Hope they can set up an online way to allow us to pay via cc.
by retire14
Sun Aug 20, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about trust
Replies: 3
Views: 470

Questions about trust

I am about to see an estate lawyer and I have been reading a little about estate planning. I am inclining to set up a trust and then transfer it to my kids when both my wife and I pass. Before I go to a lawyer, i would like to ask the right questions-so here are some of my questions: We (my wife and...
by retire14
Sat Jul 29, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 31
Views: 2776

Re: Auto Battery

Are you a costco member? I purchased a Interstate battery from them and they gave me a brand new one for free when my old one died in like 3 years.
by retire14
Wed Jul 26, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3830

Follow up on wifi thermostat

[Thread merged into here, see below (Page 2). --admin LadyGeek] I moved into a new house a year ago, the builder installed a z-wave control unit with thermostat. The unit can be remote controlled via alarm.com app. Recently I was informed by the people who installed the unit that if I want to conti...
by retire14
Tue Jul 25, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3830

WiFi Thermostat?

I am replacing my old thermostat and wondering if it is worth $100 more for a wifi as compared to just a programmable. Thanks.
by retire14
Wed Jul 19, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 4720

Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable car...
by retire14
Sun Jul 16, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1139

Re: Recommendation for things to do in Seattle area

Mt Rainier is great. Hit the highlight areas: Longmire, then Paradise and Sunrise. I would do Paradise either early in the AM (before 9) or late PM (3PM) to avoid the crowd and possible parking issues, especially on weekends. Also, we rented a car to go to and from Rainier, but did not need one in S...
by retire14
Sat Jul 15, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 2944

Re: Teeth Whitening

Thank you all for responding. The near consensus seems to be Crest strips. I will be getting the Crest Professional and save a bundle :). Bogelheads came through again!
by retire14
Sat Jul 15, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 2944

Teeth Whitening

After years of using well water with high iron content, my teeth are yellowish. I would like to get a whitening. My dentist has 4 options: 1. Zoom In-office 2hrs procedure: $575 2. Boost in-office 1hr procedure plus home whitening tray: $375 3. Custom home whitening trays: $250 4. Opalescence Treswh...
by retire14
Fri Jul 14, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Estate Planning-Question on Trust
Replies: 11
Views: 954

Estate Planning-Question on Trust

Just started my estate planning and had a discussion with a local estate attorney. We are going to establish a trust, but want to be the trustee until we pass on. What are the pros and cons of being your own trustee? We are not concerned with asset protection against law suits. Main reason is to mak...
by retire14
Wed Jul 12, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1534

Best way to buy a iPAD

I decided to buy a new iPAD to replace my aging original iPAD. I did look at the older iPAD Air 2, but decided against it. It looks like most places are charging the full price $329. Costco has it at $319. Apple does not have it on its refurbished site (only Air 2 at $339) I am not in a hurry and ca...
by retire14
Mon Jun 12, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3960

which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iPA...
by retire14
Mon Jun 12, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 3032

Re: Vue/Sling tv users--what do you miss?

I used to have Sling and switched to DirecTV now since it has golf and tennis channels. Plus, it also has local channels (CBS/NBC/ABC/PBS) in some areas. DirecTV Now had some performance issues when I first got it, but it has been working flawlessly for me in the last 2 months. Another advantage is ...
by retire14
Thu Jun 08, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Medicare Bills
Replies: 2
Views: 359

Medicare Bills

I started Medicare on 5/1 and got my card in the mail. It has been more than a month and I have not received an invoice from Medicare. Should I worry and call them? Thanks.
by retire14
Thu Apr 13, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Please recommend-A new TV with good sound system
Replies: 15
Views: 1245

Please recommend-A new TV with good sound system

I am going to splurge with my tax refund. Time to upgrade my 10-year old Tv and its surrounding sound. Thinking about a max of $3000. $1,500 goes to a new 65-70 inch TV (looks like I can get a Samsung for that price range). Looking for recommendation of a sound system that will go with it. My curren...
by retire14
Wed Feb 08, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1541

Re: Transition from private insurance to Medicare

My wife and I will turn 65 in the next few months. I asked the same question here and got very good advice. We applied for Part A and B 3 months before and purchased Medigap (me-Plan F high deductible; wife - Plan G) and Plan D We are currently undecided on dental and vision--probably will go self p...
by retire14
Sat Feb 04, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 7412

Re: Cord cut strategy for young family

Check DirectV NOW (streaming service)to see if they have local channels in your area. Looks like they have everything you need (golf channel and sports ESPN, FOX). Slighlty more expensive than Sling, but has a few more channels you may want.
by retire14
Tue Jan 31, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance questions
Replies: 11
Views: 1472

Re: Medigap Insurance questions

Thank you all for your advice. They are very helpful.
by retire14
Mon Jan 30, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance questions
Replies: 11
Views: 1472

Medigap Insurance questions

I need to sign up for medigap insurance. I am debating between: 1. Medicare Advantage (PPO) $500 deductible, Max. OOP $6700, $15/$45 copay--Premium $81 2. Plan F high deductible: $2200 deductible--Premium $45 3. Plan F ($130) or G ($112) We are in Virginia, healthy and have not been hospitalized in ...
by retire14
Thu Jan 26, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 3420

Re: VoIP 'Oma' vs 'Vonage' phone

just frank wrote:I"ve been using the Obi for a couple years without any problems, with Google Voice.

https://www.walmart.com/ip/29861174

It's free.

I think 911 service costs me $5/yr??

Me too. I have used it for 5 or 6 years. Works great!
by retire14
Thu Jan 26, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1620

Re: Storing pictures on long trips

Thank you for all your replies. They are tremendously helpful. Based on your recommendations, we bought several 64GB memory cards. In addition, we learned that my camera can connect to my iPhone via wifi, so I can download my pictures to the iPhone, then I can upload my iPhone pictures to Amazon Pri...
by retire14
Wed Jan 25, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1620

Storing pictures on long trips

We are about to go to Asia for 2 months. We are not bringing laptops, just iPads. How do folks normally transfer pictures from camera memory cards? I can buy more memory cards to store them, but obviously that is not the cheapest. I guess I can find a place to burn them into CDs or find a hotel comp...
by retire14
Sun Jan 15, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 6668

Re: Where do you buy coffee beans?

What specific brand, bean and roast do those of you with a superautomatic use? I love dark, robust coffee, and have been very happy with the Mayorga Cafe Cubano from Costco for the last several years. However, I understand you cannot use oily beans in a superautomatic, so I'm seeking a suitable rep...
by retire14
Sun Jan 15, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 6668

Re: Where do you buy coffee beans?

Do you have a World Market nearby? You can get a 2-lb bag for $10. But they usually have 30% sale, and I buy several bags until the next sale. They have various blends (Franch/Italian/Colubian/Espresso, etc..)
by retire14
Sun Jan 15, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans in Virginia
Replies: 4
Views: 296

Re: Medigap Plans in Virginia

I am sorry. My mistake.
by retire14
Sun Jan 15, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans in Virginia
Replies: 4
Views: 296

Medigap Plans in Virginia

We are turning 65 later this year. We are looking for Medigap Plan F in Virginia. Any recommendations? Any good source of info on the web? I did a google this morning and could not find any good material. My old company will provide me with some $$ to buy it via AON Health Exchange-but some of my fr...
by retire14
Mon Jan 09, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 4575

Weight machine vs free weight

Inspired by a question from someone who asked about a 3rd exercise machine. Lots of good recommendations re. weight training. I did not want to hijack that thread, so I ask my question here. I have been doing cardio (outdoor jogging/indoor elliptical) for several years, but neglected to do weight tr...
by retire14
Mon Jan 09, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: What should be our third exercise machine?
Replies: 42
Views: 2843

Re: What should be our third exercise machine?

I asked a similar question and I think the best response I got was to try the local gym for a month or so to try out their equipments and see what work best for you, then buy a similar machine at home.
by retire14
Mon Jan 09, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4106

Teeth whitening

After years of drinking iron-rich well water, my teeth are kind of yellow. I am thinking about getting a teeth whitening at my dentist's office. But I have heard mixed results. So please let me know if you have done a teeth whitening, did it work and what method/brand did your dentist use? I think m...
by retire14
Sun Jan 08, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 20429

Re: Fidelity free Turbotax

Today, when I logged into my Fido account, I got this: Get TurboTax® Online Premier free Receive a free federal and state tax return TurboTax® will automatically import your Fidelity account info Get your refund quickly by direct depositing into your Fidelity account It looks like I am getting Turbo...
by retire14
Sat Jan 07, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Help with my Bali/Singapore/Malaysia itinerary
Replies: 4
Views: 485

Re: Help with my Bali/Singapore/Malaysia itinerary

Please help with our plan for our upcoming trip in early Feb. 2017. 1. Go to Sydney (Australia) to visit relatives---this portion is well planned 2. Sydney->Bali (about a week in Ubud/Sanur) 3. Bali->Singapore--3 days in Singapore 4. Train from Singapore to Kuala Lumpur -- stay in KL for a couple o...
by retire14
Sat Jan 07, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Help with my Bali/Singapore/Malaysia itinerary
Replies: 4
Views: 485

Re: Help with my Bali/Singapore/Malaysia itinerary

The time duration you've planned for each place is good. At Bali, book a private villa with outdoor shower, especially those with private pool, totally worth the money. Most of the island can be reach via taxi on a day trip so just stay in one location. even thought we went all over the island, whe...
by retire14
Sat Jan 07, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Help with my Bali/Singapore/Malaysia itinerary
Replies: 4
Views: 485

Help with my Bali/Singapore/Malaysia itinerary

Please help with our plan for our upcoming trip in early Feb. 2017. 1. Go to Sydney (Australia) to visit relatives---this portion is well planned 2. Sydney->Bali (about a week in Ubud/Sanur) 3. Bali->Singapore--3 days in Singapore 4. Train from Singapore to Kuala Lumpur -- stay in KL for a couple of...
by retire14
Fri Jan 06, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 31857

Re: Chase Sapphire Reserve

OP here. Just applied for this online and no immediate answer yet as they need to review it. Perhaps we should have walked into a branch... Call the reconsideration line. More often than not you will get an answer on the spot. I was also told they need to get back to me. I called and was told they ...
by retire14
Fri Jan 06, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

Re: ATM card for overseas travel

I currently have a Fidelity ATM which reimburses fees for overseas travel. I would like to get another card as a back-up just in case. I have an account with Ally but it does not reimburse overseas fees. Any suggestions? Thank you. While I see your point in trying to identify a favorable "back...
by retire14
Fri Jan 06, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 4223

Re: Tell me all about snowblowers

I have a Craftsman 2 stage for many years. Get one with optional electric start. It's worth $100 extra.
by retire14
Fri Jan 06, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1626

ATM card for overseas travel

I currently have a Fidelity ATM which reimburses fees for overseas travel. I would like to get another card as a back-up just in case. I have an account with Ally but it does not reimburse overseas fees. Any suggestions? Thank you.
by retire14
Tue Jan 03, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: A kitchen timer made in the USA.........
Replies: 22
Views: 2237

Re: A kitchen timer made in the USA.........

We use Echo Dot (Alexa) as a kitchen timer. We just tell her set timer fox xx minutes or xx hours and she will beeps when the time is up. Very convenient.
by retire14
Fri Dec 30, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 37
Views: 5314

Re: Luck with DirectTV Now?

I like DirecTV NOW. It had issues at the beginning, but it has gotten better as of late. It is a good deal for $35 and a free Apple TV, but I saw an ad that claims the offer will end Jan. 9.
by retire14
Tue Dec 20, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Any one bought used phones from Gazelle?
Replies: 7
Views: 875

Any one bought used phones from Gazelle?

I am looking to buy a used iPhone--5S or 6 or 6S. Looks like Gazelle prices are better than Ebay's. Does anyone have experience with Gazelle (good or bad). Thanks.
by retire14
Tue Dec 20, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Sling TV
Replies: 28
Views: 3224

Re: Sling TV

I used to have Sling. I switched to DirecTV now for a better deal. If you sign up for 3 months, you get an Apple TV for free, so it's a good deal. So far, I like it better then Sling. Both interfaces are bad, but DirecTV is better (or less bad?). Both Sling and DirecTV give you a 7-day trial, so try...
by retire14
Tue Dec 20, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Health insurance options for visiting mother from Australia
Replies: 0
Views: 223

Health insurance options for visiting mother from Australia

My mother who plans to visit us for 3 months from Australia (she will send most of her time in NJ, but will travel to CA, VA and Florida). She is 87 years old but very mobile and healthy. No known existing conditions. She can buy 3-month travel insurance from Australia for a cost of A$5500 (US$ 4200...