Search found 256 matches

by rooms222
Tue May 23, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: California Title Car Paid Off no Title for 8 months
Replies: 6
Views: 695

Re: California Title Car Paid Off no Title for 8 months

Did you read the out of state part here?

https://www.dmv.ca.gov/portal/dmv/detail/vr/vr_info

It looks like they will keep billing you for registration (and using collection efforts) until you tell them when the car left the state.
by rooms222
Wed May 17, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a LLC to Do Consulting Work
Replies: 20
Views: 2069

Re: Do I need a LLC to Do Consulting Work

A couple of additional notes: In some industries, the companies only want to contract with an LLC or Corporation for consulting services to ease the risks on their end. This was the case for a friend of mine that did consulting for several years. In some states, there are fees and/or publication req...
by rooms222
Sun May 14, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1169

Re: Thoughts on state employee pension.

It depends on the pension plan terms whether or not you get your contributions back in a defined benefit plan. With financial hardships in our local government we now have a mandatory 6-7% contribution with 10 year vesting, and now no contributions are returned if you don´t vest. It was done purpose...
by rooms222
Sun May 14, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: HDHP with HSA in Teachers' Contract
Replies: 6
Views: 470

Re: HDHP with HSA in Teachers' Contract

Our union was forced to have everyone move to an HDHP with HSA eligibility. You should seek to have the deductibles be the minimum allowed under the IRS rules- $1300 self/$2600 family, subject to annual IRS adjustments for inflation. I think our OOP maximums are $2600 self and $4600 family (Blue Cro...
by rooms222
Wed May 10, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4420

Re: Can you suggest a mortgage lender who does not resell

As noted above, many credit unions do not resell loans. Also note that some credit unions, especially smaller ones, do farm out their loans to a regional credit union mortgage company that does not generally sell loans. For example, 13 credit unions in my state own this company that makes, services,...
by rooms222
Tue May 09, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 31
Views: 2164

Re: Renting correct size car

This fleet list thread may be helpful to show that there is a huge variety of cars that Hertz may give you for each vehicle class. There are 16 possibilities listed for the Chrysler 200 class. The ones at the bottom of the list are less likely. You may also get upgraded to a bigger class if they are...
by rooms222
Sat Apr 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1522

Re: radio alarm clock that projects the time on the wall or ceiling

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light i...
by rooms222
Sat Apr 08, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Donating a low value used car
Replies: 7
Views: 945

Re: Donating a low value used car

I believe that Charity Motors does give the full fair market value of its cars because as its mission, it sells cars for half price to people in need. That distinguishes it from many other car donation charities. http://www.lenhumanesoc.org/sites/default/files/files/Charity%20Motors%20Flyer.pdf Also...
by rooms222
Wed Apr 05, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1059

Re: New Tires for 2013 Mazda 3

Got the General Altimax RT 43 tires for my daughter's Mazda 3. They were $305 shipped when Discount Tire Direct via eBay had their last big sale. My size is about $35 more right now. I paid an additional $60 locally to install and balance. They were the best value with longevity and good rain and sn...
by rooms222
Tue Apr 04, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 35
Views: 3385

Re: Nespresso capsules

If you want the original Nespresso approximation of an American cup of coffee, make an Americano. Run a Lungo capsule at the Lungo Setting (5 oz). Then after the capsule drops, run the Lungo setting again with no capsule. This gives you a 10 oz. Americano. Couldn't you also run the Lungo setting a ...
by rooms222
Mon Apr 03, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 35
Views: 3385

Re: Nespresso capsules

If you want the original Nespresso approximation of an American cup of coffee, make an Americano. Run a Lungo capsule at the Lungo Setting (5 oz). Then after the capsule drops, run the Lungo setting again with no capsule. This gives you a 10 oz. Americano.
by rooms222
Fri Mar 24, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 2421

Re: Help Overcoming a Lead Paint Phobia

I agree that stained wood is often overlooked as a potential lead source that has not been remediated or done so imperfectly.
by rooms222
Thu Mar 23, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3268

Re: Honda Transmission Service

We had a Pilot that was recently totaled. I remember reading that the transmission fluid should be changed frequently, but never flushed. A change only changes 1/3rd to 1/2 the fluid, but is better on the transmission. A change on a Pilot is done by gravity, and 3-4.5 quarts of the 10 quarts of flui...
by rooms222
Tue Mar 14, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2398

Re: Temporarily registering new car at friend's address -- anything wrong?

Page 13 of this annual report from a multi-line car dealer touches on geographic incentives and limitations for some car dealers. They state that some of their evaluations and incentives from certain manufacturers are based upon how well they sell and service a defined geographic area (i.e sales in ...
by rooms222
Fri Mar 10, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 2775

Re: can you recommend good tires

If you have a base Honda Fit, there are not that many tires in that size (175/65R15). The good news is that almost all the 22 tires at Tire Rack are very good tires. Most sizes also have a bunch of lesser tires at a lower price (e.g. Laufenn brand), but this is not true for this size. The three chea...
by rooms222
Tue Mar 07, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How long does car lasts and for how long should I build a CD ladder
Replies: 25
Views: 1911

Re: How long does car lasts and for how long should I build a CD ladder

Where you live has a great deal to do with how long the car will last. Japanese brands tend to do less well with the rustproofing, at least their standard brands. I have a 2001 Mazda Protege that literally is expected to rust out in a the next 9-18 months (and likely fall onto the front passenger wh...
by rooms222
Tue Mar 07, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Ford Fiesta Transmission.. Any experience?
Replies: 5
Views: 428

Re: Ford Fiesta Transmission.. Any experience?

The Focus or Fiesta with a stick shift circumvents the major problems with the car. I have a Focus with one, and I know someone who got a great price on a Fiesta stick new for use as a commuter car. We are both extremely happy with the cars. Ford has made continual improvements to the Powershift whi...
by rooms222
Sat Feb 18, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Foreign bank transfer, small
Replies: 9
Views: 677

Re: Foreign bank transfer, small

Andrews credit union has a Euro bill pay service for members that costs either 50 cents or a dollar. Their exchange rate is about 3%. I have used it to buy books in Europe as you described. Anyone can join this credit union.
by rooms222
Mon Feb 06, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Gold jewelry where to go
Replies: 3
Views: 735

Re: Gold jewelry where to go

The 22k Indian stuff is very nice. Also, I go to the best pawn shop, and ask them to show me what they have that is "nice" or "unusual" in Gold. Have gotten some beautiful pieces with unusual chain design. (Zeidman's if you live in Metro Detroit).
by rooms222
Tue Jan 17, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 4244

Re: Basic question on Hybrid cars

At one point I would never consider an automatic but in the past 5-8 years the better ones have become more competitive than the manuals they have replaced. In recent decades, the once benefit of a manual transmission of better fuel mileage has gone away since automatics have gotten better. Where y...
by rooms222
Mon Jan 16, 2017 2:58 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs [HDHP + HMO(dependant on partner's plan)]
Replies: 11
Views: 607

Re: HDHP vs [HDHP + HMO(dependant on partner's plan)]

I saw indications that under the ACA, employees have a right to waive coverage, but in doing so, they are not eligible to get subsidies or count against an employer not having provided an opportunity for coverage (if it is considered affordable). The recommendation for the employer is that the emplo...
by rooms222
Sun Jan 15, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1843

Re: Nespresso Inissia Espresso Maker? (or similar)

Nespresso sponsored the blog post linked to below on how to make a Honey Cardamon Latte with the VerutoLine Nespresso (bigger capsules, bigger cup, aimed at American-style coffee drinkers). http://www.theblondielocks.com/honey-cardamom-latte/ I have both a fully automatic bean to cup Krups and a Nes...
by rooms222
Thu Jan 05, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 2408

Re: Amazon Prime shipping to post office for pickup?

Amazon is also using their own sortation centers and dropping off at your local post office. USPS does not always deliver it as contracted. The carrier or manager may be scanning as delivered (or delivery attempt) when they are not really doing so. Surepost and the Fedex equivalent seemed to allow p...
by rooms222
Thu Jan 05, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2765

Re: How to approach getting new wills, trusts, with a blended family

Beyond the Grave is a great book, and I have recommended it to others to read. I would note that a few of the recommendations are somewhat specific to community property states like California (although the author tries to be inclusive), and things may be a little different in non-community property...
by rooms222
Fri Dec 30, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Indy 500 Trip
Replies: 8
Views: 603

Re: Indy 500 Trip

The city bus system used to run shuttles, now the Speedway is controlling it. I have always come from downtown. The shuttles are an annoying delay, but the parking around the area is also pretty delay-prone after the race. The Black or the Blue route would be the easiest for you coming from the Nort...
by rooms222
Fri Dec 30, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Indy 500 Trip
Replies: 8
Views: 603

Re: Indy 500 Trip

I have been going to the Indy 500 on and off since 1973 when I was allowed to skip kindergarten to see it resume after a rain delay on the original day. The official ticket prices pretty closely track the quality of the view. Our family's viewpoint is that if you want to see the spectacle (pre-race,...
by rooms222
Tue Dec 27, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring state residency for tax filing purposes
Replies: 18
Views: 1552

Re: Declaring state residency for tax filing purposes

What Epsilon Delta says is apparently true. For MA: So at least for a MA resident, one cannot avoid state taxes by spending a day in SD and declaring residency there. It might even be difficult if they spent 183 days in FL and tried to declare FL their residency if their primary home and connection...
by rooms222
Tue Dec 27, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Declaring state residency for tax filing purposes
Replies: 18
Views: 1552

Re: Declaring state residency for tax filing purposes

South Dakota specifically allows for residency if you have no other homestead. You must spend at least one night there physically. There is further information online. Here is the affadavit to be executed from the state's website: https://dps.sd.gov/licensing/driver_licensing/documents/RESIDENCYAFFI...
by rooms222
Mon Nov 21, 2016 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: State tax situation if residing in WA and working remotely for MA-based employer
Replies: 9
Views: 1085

Re: State tax situation if residing in WA and working remotely for MA-based employer

Look at example (5)(a)(1.2) in this State of Mass. Tax Guide: Example (5)(a)(1.2). A telecommuter works for a Massachusetts firm, mainly out of her home in Ohio. The telecommuter works a total of 240 days during the tax year, and is in Massachusetts on 60 of those days. Her salary is $120,000 per ye...
by rooms222
Sat Nov 19, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Michelin Premier AS, anyone have them?
Replies: 13
Views: 1405

Re: Michelin Premier AS, anyone have them?

Have you looked at the reviews and ratings on the tire here: http://www.tirerack.com/tires/tires.jsp?tireMake=Michelin&tireModel=Premier+A%2FS The videos explain how this tire is improved. The customer ratings, which I find critical and accurate in purchasing any tire from any vendor, indicate t...
by rooms222
Fri Nov 18, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2541

Re: Help me to understand part-year resident state tax obligation

There is a degree of state specificity to these issues that makes it difficult to answer the question without knowing the two states involved. For example, NY State has a statutory residency rule if you spend more than 187 days in the state, even if your domicile remains another state, you are consi...
by rooms222
Tue Nov 08, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 19
Views: 3514

Re: Safe Deposit Box Fee (Bank of America)

Many credit unions that made the commitment to have safe deposit boxes have low prices. In Metro Detroit, the Teamsters Federal Credit Union at Trumbull and Temple in Detroit has safe deposit boxes starting at $10 per year. They ask an average balance in the savings account of $250, and are open to ...
by rooms222
Mon Oct 24, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: At Fault in Auto Accident - Insurance Complications?
Replies: 16
Views: 1488

Re: At Fault in Auto Accident - Insurance Complications?

Also, in some jurisdictions, you may actually be responsible for virtually all the damages if they showed no active injury until after your accident. See here: http://www.bermansimmons.com/law-articles/representing-eggshell-plaintiffs-and-others-preexisting-conditions-or-injuries-post https://www.hg...
by rooms222
Sun Oct 02, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Selling a House in a Foreign Country
Replies: 2
Views: 385

Re: Selling a House in a Foreign Country

My friend, along with her siblings, is selling a house there. She used an SPA (Special Power of Attorney) to sell her property and did not have to go there to do so. Most of the Philippine Consulates and Embassies in North America have a typical one on their websites. The notarization of the power o...
by rooms222
Sat Oct 01, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Moneygram / Western Union
Replies: 2
Views: 420

Re: Moneygram / Western Union

xoom.com now owned by paypal appears to send money to SA bank accounts. It's $4.99 via transfer from your bank account.
by rooms222
Fri Sep 23, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 4809

Re: Cosigning a new car lease for sister out of state

I think you may have potential insurance liability risk issues due to the following Arizona law. http://www.mcrazlaw.com/beware-to-parents-that-let-other-family-members-drive-the-family-car-the-family-purpose-doctrine-is-reaffirmed-in-arizona/ You need the car to be fully disclosed to your insurance...
by rooms222
Sat Sep 17, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2981

Re: 2016 Honda Odyssey - which model?

The here.com app allows for full pre-downloading of navigation maps into a smartphone. It is a spin-off of Nokia´s mapping division, and is, in fact the maps used in my car´s built-in navigation system. The only caution about not buying the navigation system if you will use it, is to take a look at ...
by rooms222
Fri Sep 16, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 4080

Re: Tenant wants to leave on short notice. Can they?

Section 250.501(b) of the PA Landlord-Tenant act specifies that for indeterminate tenancies or tenancies of less than one year, 15 days notice is acceptable (see below). It becomes a matter of interpretation that, at the time the tenancy became a month-to-month tenancy, is it then characterized as a...
by rooms222
Thu Sep 15, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 4080

Re: Tenant wants to leave on short notice. Can they?

On these kinds of questions, the state involved is very important to the answer. In this case it is very important to the notice to leave provisions. It appears some states would allow the longer notice period, and many more would not. What state is this lease in?
by rooms222
Thu Sep 15, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bill pay differences with Capital One 360
Replies: 12
Views: 1149

Re: Bill pay differences with Capital One 360

I believe it is a choice made by the bank. There were several threads on fatwallet.com about these issues, especially with the CheckFree platform used by many banks. When payments were made by check, USAA at one point changed from having checks drawn on your account (with special check numbers to id...
by rooms222
Thu Sep 15, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 4751

Re: Toyota, Honda, Nissan or Chrysler Minivan?

The Grand Caravan is still being manufactured alongside the Pacifica. It remains available because it is still the third best selling vehicle in Canada, after the F-150 and Dodge Ram Pickup. Canada and Mexico have had several prior generation vehicles that have remained on sale at a value price, alo...
by rooms222
Mon Sep 12, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 967

Re: Car title question - moved from Florida

It appears you have to request your title online at the DMV Virtual Office http://www.flhsmv.gov/dmv/E-Title-FAQ.htm It costs $2.50 (or you can do it physically in FL for $10). No mail or phone orders. You also appear to have two choices about getting the lien released. By far the preferable route i...
by rooms222
Sun Sep 11, 2016 1:54 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 4751

Re: Toyota, Honda, Nissan or Chrysler Minivan?

Also, the Grand Caravan is still being made along-side the Pacifica. It is much cheaper and has incentives on it. Be sure to test drive and compare both of them.


http://windsorstar.com/business/local-b ... l-mid-2019
by rooms222
Thu Sep 08, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Subaru - New 2016 or Used 2014 (25k miles)
Replies: 40
Views: 4229

Re: Subaru - New 2016 or Used 2014 (25k miles)

There are the 19 no front license plate states, and then there are the no inspection, no front plate and no emissions testing states: AR,FL,MI,OK,SC,KS & KY. Honorable mention to GA, IN, and TN that have emissions testing only in part of the state with no front plate and no regular inspection.
by rooms222
Wed Sep 07, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3924

Re: Why is it hard to find >3 year old cheddar nowadays?

Sam's Club in the US has Black Diamond 4 year old available. In Canada, Black Diamond has become mostly a lesser everyday brand while the Balderson's brand owned by the same people has become the main brand at Costco Canada.
by rooms222
Fri Sep 02, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 2265

Re: Seeking Job Ideas for a disabled MD

The medical director of our local Public Health department has a similar condition. She previously worked for the state government.
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: 37
Views: 3099

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: 1488

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: 87
Views: 11684

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: 862

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 ...

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