Search found 210 matches

by rooms222
Tue Aug 30, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?
Replies: 31
Views: 1752

Re: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?

Mazda 6. My friend's 2005 is running great at 221,000 miles. She teased up from a 2001 Protege that is also running at 199,000 miles.
by rooms222
Mon Aug 29, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: New Tire suggestions?
Replies: 15
Views: 1122

Re: New Tire suggestions?

If you live in an area with ice and snow, make sure the tire has all green customer ratings on tirerack.com, including snow and ice traction.
by rooms222
Sun Aug 28, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 69
Views: 6002

Re: Advice for unemployed 64-year old broke friend

Your description of his personality reminded me of a couple of the psychologists that work part-time testifying about those with cases for involuntary hospitalization in my county. Has he looked into doing this? A part-time gig in his field might be a helpful first step.
by rooms222
Mon Aug 22, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Experiences with Buying a Repossessed Honda ?
Replies: 6
Views: 792

Re: Experiences with Buying a Repossessed Honda ?

More and more routine maintenance items are showing up in Carfax reports. If oil changes do show up, that would be a plus, but it doesn't mean much if they are not there. My Honda repo had about 90,000 miles on it. It turned out to have been lit on fire in a domestic dispute. It also had many items ...
by rooms222
Fri Aug 19, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance issues - Legal related
Replies: 18
Views: 760

Re: Health insurance issues - Legal related

At some point, you may want to get the benefits department of your employer involved. Our benefits department has encouraged us to let them know about issues like this, so they can get involved and help solve them. They may be able to help facilitate a 3-way (or 4-way) call between these parties and...
by rooms222
Sun Aug 14, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2027

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

At least as of two years ago, you could do street address holds online, but were not allowed to do online holds for P.O. Boxes. Some postmasters told me you did not need to do a hold for them, as you can wait about that time to pick up your mail anyway. They usually would take the yellow cards. One ...
by rooms222
Sun Aug 14, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2027

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

If the box overflows with mail, they will generally hold it. At some post offices, packages will be returned after a period of time. I have a P.O. Box at the main post office in my city, and for a while, they were returning packages two weeks after arrival. Then, they stopped doing so. If you are un...
by rooms222
Thu Aug 11, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: why the limit of six withdrawals on a savings account
Replies: 22
Views: 3322

Re: why the limit of six withdrawals on a savings account

And in the 70's, the NOW account was created to get around the rule (and regulation Q) which prohibited interest being paid on any account available for immediate withdrawal. Savings accounts used to say that they reserved the right not to let you have your money for 7 or 31 days. More here: https:/...
by rooms222
Wed Aug 10, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: UPS Store Notary (legit)
Replies: 18
Views: 1669

Re: UPS Store Notary (legit)

Yes, as a practical matter recognition and acceptance are important. Having such acceptance happen without going to court is important. I had to notarize an updated POA for someone because the bank would not accept the old one once the Notary's commission had expired. Legally, this means nothing, th...
by rooms222
Tue Aug 09, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: UPS Store Notary (legit)
Replies: 18
Views: 1669

Re: UPS Store Notary (legit)

What state are you in and is the will being executed for someone living in the same state? The laws about what is needed for a valid will and what is needed for a valid notarisation vary by state. A notary in most states can only act (sign) in the state they are registered in. Whether the entity in ...
by rooms222
Thu Aug 04, 2016 6:28 am
Forum: Personal Consumer Issues
Topic: The Fresh Diet closing down, owes us thousands of dollars
Replies: 32
Views: 4805

Re: The Fresh Diet closing down, owes us thousands of dollars

An assignment for the benefit of creditors is not bankruptcy. It was commonly used instead of bankruptcy before bankruptcy laws existed. Do the chargeback for services paid for but not received. An assignment for the benefit of creditors has gained popularity as it allows the owner to hand-pick the ...
by rooms222
Tue Jul 19, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3066

Re: Hatchback to match Camry on price/comfort/reliability?

The 2012 onward Ford Focus uses the previous generation (jointly developed) Mazda 3 platform with its own drivetrain. With a Stick Shift, it is a wonderful car to drive with excellent highway mileage (38-40 mpg). The Double Clutch automatic has had some issues. I would only buy it with a Manual. Als...
by rooms222
Mon Jul 18, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Processing a Will
Replies: 14
Views: 1080

Re: Advice for Processing a Will

There is a chance that the decedent already filed their will with Oakland County. Michigan provides you can pre-file if you pay $25. Here is how you check to see if they did. https://www.oakgov.com/courts/probate/Pages/faq/relatives-will.aspx Oakland County's website has a lot of information about P...
by rooms222
Sun Jul 17, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3066

Re: Hatchback to match Camry on price/comfort/reliability?

Don´t forget to check out the Scion Tc. It is Japanese-built by Toyota, and it uses the chassis of the European equivalent of the Camry. It has the Camry engine. It is a Hatchback where, because it was designed for America, it hides that fact, and it has a large amount of cargo space especially wit...
by rooms222
Sat Jul 16, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3066

Re: Hatchback to match Camry on price/comfort/reliability?

Don´t forget to check out the Scion Tc. It is Japanese-built by Toyota, and it uses the chassis of the European equivalent of the Camry. It has the Camry engine. It is a Hatchback where, because it was designed for America, it hides that fact, and it has a large amount of cargo space especially with...
by rooms222
Wed Jul 13, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6497

Re: Car totaled, no collision insurance

I think you said you were in CO. Although they tightened the salvage law, it looks like you could skate by because, without insurance, you don't have to declare it a salvage unless the value immediately before the crash is less than the cost of repairs, determined by you. With the high value of your...
by rooms222
Wed Jul 13, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6497

Re: Car totaled, no collision insurance

The car is going to be a salvage title vehicle after such an accident with dual airbag deployment in most states. The retail value of such a salvage car is going to be less than regular retail. Fortunately, searching on autotempest for salvage title Foresters for sale, it looks like your car would b...
by rooms222
Mon Jun 20, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 122
Views: 7464

Re: IWC Watch, any thoughts?

Just my 2 cents, I fell in love with vintage Zodiac watches. A quality brand with good technology, usually bought by Naval Officers rather than Kings and Queens. They have never been popular enough to counterfeit, and if you love your watch and can afford it, get it! A cool example of their design: ...
by rooms222
Mon Jun 13, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Auto bodily injury 100/300 increased to 250/500? Why?
Replies: 25
Views: 2254

Re: Auto bodily injury 100/300 increased to 250/500? Why?

For the last 30 years or so, 100/300 was the standard for what I will call reasonable people, i.e. they may not get an umbrella, but they are not going to buy the state minimums, especially in places where the insurance is not outrageous. The standard for that group is slowly shifting to 250/500, es...
by rooms222
Fri Jun 10, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3296

Re: 3 Row SUVs - Help Educate Me

Have driven the Chevy Traverse for several thousand miles with 5-7 people in it, and our family has owned a Honda Pilot since 2004. The Traverse was more comfortable and had more luggage room with 7 people. I don´t like big vehicles, and found it easy to drive and enjoyed having it a lot, and it mad...
by rooms222
Thu Jun 09, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit unions pull credit report and ask for driver's license #?
Replies: 11
Views: 1221

Re: Credit unions pull credit report and ask for driver's license #?

Also, I have had two credit unions (Lake Michigan and Service) use personal history questions to establish identity to open the account online, and then followup with the need for drivers license by mail or online notification a few days later. Know your customer is making government issued ID manda...
by rooms222
Tue May 31, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Foreign coins, old US stamps from storage
Replies: 9
Views: 790

Re: Foreign coins, old US stamps from storage

If you are using pre 1960's stamps, you need at least one more recent one to trigger the facer-canceller and not delay your mailing. Stamps since the 60's have a coating that reflects UV light at a certain frequency to know where to put the postmark. When they started this in the 60's, all stamps ha...
by rooms222
Sun May 29, 2016 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is Maryland state pension a good idea for me?
Replies: 6
Views: 826

Re: Is Maryland state pension a good idea for me?

In the most recent iteration of our government pension, none of the employer or employee contributions vest for 10 years. I believe this is the most unfavorable to the short term employee allowed by law. Such a set-up helps reduce the contributions for employees that do stay more than 10 years, and ...
by rooms222
Mon May 23, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2274

Re: Advice on Wife's Credit

I second that creditboards.com is the best source for how to practically deal with collections. One issue with the idea of just paying debts that have gone to collection or are past due is that they are often re-aged to stay on your credit report, usually illegally. This can make the negative report...
by rooms222
Thu May 19, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)
Replies: 101
Views: 9381

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

What state are you in, did your state participate in Medicaid expansion? For a household of one, she is probably eligible for Medicaid in an expansion state. People with up to 138% of the Poverty Level are eligible. 138% of poverty is a MAGI of $16,394 for FY 2016. If your state did not expand Medic...
by rooms222
Tue May 17, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 9021

Re: Is it common for a step mother to inherit everything?

Kentucky allows JTROS for motor vehicles with spouses. If it was titled that way, it would pass to the wife, and she could then give it to whomever she wanted to.

http://www.lrc.ky.gov/statutes/statute.aspx?id=6136
by rooms222
Sun May 15, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance for low annual mileage
Replies: 19
Views: 1361

Re: Auto Insurance for low annual mileage

In Michigan, $150 per year per car of your insurance is the Catastrophic fee for no fault personal injuries over $545,000 (rising to $160 per year July 1st). This is a per car surcharge regardless of mileage driven. Some insurance companies break out the fee and some do not. It lowers the possible s...
by rooms222
Thu May 12, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: Need barest, skeleton, almost non-existent cell plan.
Replies: 22
Views: 1762

Re: Need barest, skeleton, almost non-existent cell plan.

Lycamobile prepaid. 5 cents a minute. No expiration date, no monthly fees, must make a call every 90 days. Buy a SIM card on ebay or amazon for a dollar. Buy a $10 refill from callingmart.com. Activate SIM card and add the $10 refill if you are getting a new number. You can call them up and port you...
by rooms222
Thu May 12, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: How to lose a billion dollars...Beer heiress Frances Strohl
Replies: 19
Views: 3798

Re: How to lose a billion dollars...Beer heiress Frances Strohl

Have been listening to the audiobook, and have been enjoying it thus far. Had a can of Stroh's at our union meeting in downtown Detroit last week.
by rooms222
Wed May 11, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant stops paying rent and refuses to show the house for prospective buyers
Replies: 43
Views: 8495

Re: Tenant stops paying rent and refuses to show the house for prospective buyers

But they are not responding to emails and we don't have a key. Does the lease allow them to change the locks and not give you a key? If not, bring a locksmith. In Ohio it appears that the lease must explicitly prohibit changing the locks..... http://realtytimes.com/consumeradvice/rentaladvice1/item...
by rooms222
Thu Apr 28, 2016 6:06 am
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9542

Re: How to get a real Chip and Pin card?

I believe Target is only issuing store cards to new applicants.

The UN Credit Union Card is the only pin priority, offline pin card that is being issued in the U.S. right now. The application process is slow and a little cumbersome, but doable.
by rooms222
Fri Apr 15, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 3572

Re: Stub Hub High Fees - WOW

News report about motivation for fee policy change.
http://time.com/money/4018864/stubhub-f ... et-prices/
by rooms222
Sat Apr 09, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 6473

Re: Dallas suburbs or Northern Virginia for me?

If you go out to Northern Va., check out Winchester. It is becoming more and more a suburb of Metro DC. It is just under 1 hour from Dulles, and housing prices fit within your budget. For $249,000, you could buy two three bedroom condos and rent one out. http://www.realtor.com/realestateandhomes-det...
by rooms222
Wed Mar 30, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Used car buying Qs
Replies: 51
Views: 4226

Re: Used car buying Qs

I agree with posters that have mentioned the 2012 onward Ford Focus five-speed and Mazda 3s. I was lucky enough to get a salvage title Ford Focus Titanium with 32k miles for $6500. If you want to go a little cheaper, the Mazda Proteges are underpriced in many places, because Mazda changed the name t...
by rooms222
Tue Mar 29, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed: Widow selling home to daughter via rent-to-own land contract?
Replies: 18
Views: 1049

Re: Advice needed: Widow selling home to daughter via rent-to-own land contract?

It might be better to have the land contract be structured with an interest rate of 2.19% or more to not run afoul of the intra-family loan rates set by the IRS ( http://www.investmentnews.com/article/20150312/FREE/150319958/intra-family-loans-not-your-ordinary-wealth-transfer-strategy) with regards...
by rooms222
Tue Mar 15, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Swapping cars for a lower mileage used car--Thoughts?
Replies: 17
Views: 1667

Re: Swapping cars for a lower mileage used car--Thoughts?

That Honda has had a lot of problems with the Hybrid system. Even with a new battery pack, some people are needing replacements within 3 years.

http://www.autoguide.com/auto-news/2013 ... ility.html
by rooms222
Thu Mar 10, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Public Health (MPH) as a career choice...
Replies: 19
Views: 2074

Re: Public Health (MPH) as a career choice...

There has been a boom in new MPH programs and a large increase in the number of students the last few years. The quality and reputation of the school matters a great deal. I work in the field and was talking with an administrator of one of the top programs in the country. He stated that many of the ...
by rooms222
Mon Mar 07, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Checking out with PayPal and accidentally signed up for PayPal Credit
Replies: 8
Views: 1165

Re: Checking out with PayPal and accidentally signed up for PayPal Credit

I personally would rather be paying with something that offers liability protection through law and not just as a matter of current company policy. Pay Pal Credit has the same billing rights as any credit card in addition to the policies that Paypal has about disputes. See them in the terms and con...
by rooms222
Tue Feb 23, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 6757

Re: What kind of car do you drive?

2013 Ford Focus Titanium with a 5-speed manual.
by rooms222
Fri Feb 19, 2016 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Division of assets in divorce
Replies: 28
Views: 3663

Re: Division of assets in divorce

Some of the issues that need clarification in preparing for what to do: Is this a traditional pension of a 401k/403b? If it is a traditional pension, it is very likely that nobody can get cash out of it for a decade or even two, depending on the provisions of the plan. If it is a 401k/403b, the asse...
by rooms222
Wed Feb 17, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Looking for auto insurance, Ameriprise dropped me
Replies: 17
Views: 1440

Re: Looking for auto insurance, Ameriprise dropped me

Also, this is very state-specific, and it is useful to give your state when asking auto insurance questions. For example, Erie insurance is well-regarded, usually inexpensive for perfect drivers, and little advertised. However, it is only available in a limited number of states.
by rooms222
Mon Feb 15, 2016 5:44 am
Forum: Personal Consumer Issues
Topic: Cell Phone plan for 2 - Recommendations?
Replies: 27
Views: 2691

Re: Cell Phone plan for 2 - Recommendations?

1) Although you mentioned a preference for AT&T, with your data usage, I wanted to mention that the MetroPCS "family plan" for two users would be $55 per month, including taxes. You get the family plan just by combining two single plans on the same account. The $30 MetroPCS plan single...
by rooms222
Wed Feb 10, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: alleged pharmacist malpractice- does wife need a lawyer?
Replies: 32
Views: 3078

Re: alleged pharmacist malpractice- does wife need a lawyer?

>>> If she decides to go to the meeting without a lawyer, I would strongly suggest that you take time off and go with her to listen and take notes.

I believe this would not generally be allowed because it would waive privilege.
by rooms222
Wed Feb 03, 2016 10:03 pm
Forum: Investing - Theory, News & General
Topic: What is a Tontine?
Replies: 5
Views: 1539

Re: What is a Tontine?

The Simpsons was the first place I heard a tontine defined: https://www.simpsonsworld.com/video/320 ... 0768579741
by rooms222
Wed Jan 20, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 3155

Re: Social security restricted spousal benefits - does my husband need to know?

Has your husband filed for SS benefits yet? There appears to be a two year waiting period if you file after the divorce, and he has not yet filed, but no waiting period if done while married. http://www.annuities.pacificlife.com/public/salesmaterials/salesideas/23175.pdf Getting him to comply may be...
by rooms222
Tue Jan 19, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 113
Views: 12070

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Is it cold where you live? I read that one tank of E-85 will normally be burnt by Honda engines, but E85 is more viscous than gasoline, and will become much more so if it is cold. http://adsabs.harvard.edu/abs/2010APS..MAR.C1298H http://boards.straightdope.com/sdmb/sho ... p?t=462866
by rooms222
Fri Jan 15, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Opening FSA/HSA to pay for my son's medical bills/expenses?
Replies: 24
Views: 1946

Re: Opening FSA/HSA to pay for my son's medical bills/expenses?

It appears you can do an FSA if you are divorced with a child- http://myhss.org/downloads/plans/FBMC_FSA.pdf Unless you have a qualifying event, I believe you had to have signed up for an FSA by December 31st. Wrote all this assuming you were HDHP eligible: If you have an eligible HDHP, and have no ...
by rooms222
Thu Jan 07, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Limited Purpose FSA
Replies: 1
Views: 229

Re: Limited Purpose FSA

I believe that is correct. The main concern is that you are only taking out the total overall and not double dipping. This is also true if there was other reimbursement available outside the HSA and/or FSA. Keep copies of your reimbursements from both places to show that you only took out the total ...
by rooms222
Thu Jan 07, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 4514

Re: What to do with my Audi A3 TDI

When ultra-low sulfur diesel fuel was mandated to be phased in around 2007, VW and Audi put a restrictor on the fuel filler hole to not allow truck sized nozzles to fit in. There have been adaptors made for those circumstances when you must (or want to) use a truck sized nozzle. http://forums.tdiclu...

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