Search found 307 matches

by rooms222
Thu Apr 19, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 910

Re: Pls recommend a cell phone for secondary use

The other phone I would suggest is an Apple SE. It has the innards of an Iphone 7, but is smaller. It is $199 at MetroPCS and $159 at Cricket (subbrands of Tmobile and ATT respectively). If you port your number to MetroPCS, you get two free months of service, so they are roughly comparable in price.
by rooms222
Wed Apr 18, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Online Fax Suggestions
Replies: 12
Views: 873

Re: Online Fax Suggestions

I have used HelloFax to fax out and HelloSIgn to sign documents. It works on my Chromebook and PC. You get a few free faxes per month, and three free signatures.
by rooms222
Wed Apr 11, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: A way to get phone calls only from "whitelisted" numbers?
Replies: 14
Views: 816

Re: A way to get phone calls only from "whitelisted" numbers?

The Hiya app blocks known spam and fraud calls. It lets you report such calls to them to expand the database, so it is responsive. Most importantly for you, it also has call screener mode where all calls not in your contacts do not ring the phone. It sends them a text message asking who they are. Hi...
by rooms222
Tue Apr 10, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability Timing Question
Replies: 5
Views: 705

Re: Social Security Disability Timing Question

When my friend´s mother was thought to have terminal cancer and my friend took charge of helping her get benefits, I will say that the state welfare workers were incredible at helping her get benefits. They helped her apply for SS disability, Medicaid, Food Stamps and Senior Housing. All were receiv...
by rooms222
Tue Apr 10, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1715

Re: Driver's permit before 18 - Any financial incentive

In my state, the parents have control about when the child can take the test for a full license until they turn 18. In my state, there is no insurance cost for those on learner's permits. If desired, one can make the child keep the permit all the way until just before they turn 18 with no insurance ...
by rooms222
Tue Apr 10, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1715

Re: Driver's permit before 18 - Any financial incentive

Mass. is fortunate to have this driver's training program for new drivers by a non-profit that I have thought of attending with my daughter, even though I am far from your area. Most insurers give a discount if your child takes this class which uses cars on a test track to show how to handle skids, ...
by rooms222
Mon Apr 09, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1245

Re: Can we discuss renting a car? [Insurance]

There used to be a couple of other states too, but in California, the car rental company does not have to provide any liability to a US based renter. Thus, they can ¨check¨ your liability insurance. You need liability insurance or a non-owners policy or you have to buy their liability in CA. From He...
by rooms222
Thu Apr 05, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Work Travel and State Payroll Taxes
Replies: 11
Views: 777

Re: Work Travel and State Payroll Taxes

My friend tried to do this in New York, but it didn´t work for saving money on taxes. It did work for company benefits provided to non New York residents to work there. As noted by another poster, even if you plan to keep a domicile in VA (your permanent home, and you can only have one), you would s...
by rooms222
Wed Apr 04, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Work Travel and State Payroll Taxes
Replies: 11
Views: 777

Re: Work Travel and State Payroll Taxes

This is often state specific. Some states have reciprocity agreements. What are the two states?
by rooms222
Thu Mar 29, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: New York Balance Billing for Out of Network Providers
Replies: 19
Views: 1665

Re: New York Balance Billing for Out of Network Providers

Fill out the assignment of benefits form and send it and the invoice both to the lab and your insurer. The lab may then only bill you if you owe deductible/coinsurance, etc. the insurance company/lab says that I consented to an out of network provider It doesn't matter what they say. Did you in fac...
by rooms222
Mon Mar 19, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: elderly mother given 10 days to give IRS *transcript* to health insurance or lose benefits
Replies: 20
Views: 3612

Re: elderly mother given 10 days to give IRS *transcript* to health insurance or lose benefits

Reading the FAQs, they seem to have overlooked that if a married couple has children living with them under certain conditions they can file as head of household rather than married jointly or married separately. For a period of time both my former spouse and I each filed as head of household becaus...
by rooms222
Sat Mar 17, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 35
Views: 2148

Re: What is your favorite reasonably priced Rum?

All the aged Rhum Barbancourts from Haiti are delicious and not expensive in most states.

When I was in Europe this summer, all the Cuban rums had stickers on them that it is now legal to bring them back to the US from a third country.

The Cuba-US stuff is in a state of flux.
by rooms222
Sat Mar 17, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Cancelled car insurance before leaving on extended trip, now premiums tripled
Replies: 13
Views: 2821

Re: Cancelled car insurance before leaving on extended trip, now premiums tripled

My friend was added to a policy as an additional driver in the same situation, with poor credit and perfect driving record. After six to twelve months she was able to get quotes from different insurers at a normal rate, and purchased her own policy.
by rooms222
Thu Mar 01, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: SSN for 1099 to receive interview travel re-imbursement
Replies: 21
Views: 1134

Re: SSN for 1099 to receive interview travel re-imbursement

My governmental organization requires this for anyone getting reimbursement from the organization. It is put in our CRM program. If the cumulative amount is over $600 we issue a 1099.
by rooms222
Tue Feb 27, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: State taxes, moving, working remotely....w-2 mistake??
Replies: 6
Views: 559

Re: State taxes, moving, working remotely....w-2 mistake??

Here´s the official NY Tax Department memo: https://www.tax.ny.gov/pdf/memos/income/m06_5i.pdf This article analyzes the rule and has a test at the bottom of it to determine whether NY is likely to consider you owe tax or not. http://www.hodgsonruss.com/newsroom-publications-NewYork_srevisedconvenie...
by rooms222
Mon Feb 26, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: State taxes, moving, working remotely....w-2 mistake??
Replies: 6
Views: 559

Re: State taxes, moving, working remotely....w-2 mistake??

Unless you moved to Wisconsin because the employer needed you there, New York believes this is New York source income and you owe taxes. https://www.friedmanllp.com/insights/help-what-is-new-yorks-convenience-of-the-employer-rule-all-about https://www.biglawinvestor.com/new-york-telecommuting-tax-pe...
by rooms222
Fri Feb 23, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 58
Views: 3001

Re: Auto insurance damage claim

If you like the car and want to repair it, you can negotiate to get a payout and keep the car and manage the repairs yourself. Kansas is interesting in that you get insurance again first before the state will issue a new title (the opposite of most states). You should talk to GEICO to see what thei...
by rooms222
Thu Feb 22, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 58
Views: 3001

Re: Auto insurance damage claim

If you like the car and want to repair it, you can negotiate to get a payout and keep the car and manage the repairs yourself. Kansas is interesting in that you get insurance again first before the state will issue a new title (the opposite of most states). You should talk to GEICO to see what their...
by rooms222
Thu Feb 22, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2598

Re: Is a prenup required to establish a list of separate property before marriage?

North Carolina is one of seven states that allows for alienation of affection. This can complicate matters and create a perception of unfairness that could influence even a pre-nup should it occur. Also, alimony cannot be fully waived in North Carolina, even if the law implies that it can, based upo...
by rooms222
Thu Feb 22, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2598

Re: Is a prenup required to establish a list of separate property before marriage?

This is such a state-specific issue, it really would help to have the state, as these are matters of state law.
by rooms222
Tue Feb 20, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 661

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

Note that you cannot use an EZ pass for regular vehicles in such a truck. You could get a commercial EZ pass. Remember to put the plate in the database and promptly take it out as soon as you leave the area with toll roads. http://www.city-data.com/forum/general-moving-issues/1895621-moving-truck-ez...
by rooms222
Sun Feb 18, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3159

Re: condo rental and emotional support animals issues

I think it´s pretty clear you cannot charge more for having an ESA or charge a higher deposit. This article recommends charging a higher deposit for everyone. Charging a higher deposit just for someone with an ESA is likely to be viewed as housing discrimination. http://www.latimes.com/business/real...
by rooms222
Thu Feb 01, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1743

Re: Is this new car the smarter option?

Note that the Yaris iA is a rebadged Mazda 2 that is made in Mexico. The Mazda 2 is no longer sold under its own name in the U.S. It is a very nicely equipped car for the money. Reliability is a question mark.
by rooms222
Thu Jan 25, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Updating Wills and Trust
Replies: 4
Views: 471

Re: Updating Wills and Trust

Also, your state's laws on wills and trusts may have changed greatly in the last 15 years. Having an updated will using the old language because you just changed a few things may be disadvantageous for you.
by rooms222
Wed Jan 24, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5341

Re: Pizza delivery asked for security code on my credit card with order

I believe because it's a card not present transaction that it is considered appropriate to collect the security code to verify that the person ordering pizza actually has the credit card. http://blog.unibulmerchantservices.com/ ... nsactions/
by rooms222
Sun Jan 21, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 40
Views: 4853

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

Google fi has also been experimenting with adding countries on their own. For example it worked in Sierra Leone over Christmas when T-Mobile did not. The change in the Costco card is very good. The one time I did use the Costco card overseas was when I was renting cars using the Costco discount. The...
by rooms222
Sun Jan 21, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy questions
Replies: 16
Views: 1489

Re: Bankruptcy questions

If the reason the money is in the funds was actually a pattern of saving for the children's College, it should be all right. The account should be discussed with bankruptcy attorney.

http://www.fremont-bankruptcy-attorney. ... ankruptcy/
by rooms222
Thu Jan 18, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2250

Re: Premium gas at BJ's for Mercedes

AAA also recommends Top Tier gas. The full research report is a link on this press release page. http://newsroom.aaa.com/2016/07/aaa-not ... ted-equal/
by rooms222
Fri Jan 05, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4216

Re: Oil filled space heaters

When heating season is over, Amazon Warehouse Deals often has lots of them for an amazing price.
by rooms222
Sun Dec 10, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: doing one time work remotely to another state
Replies: 2
Views: 319

Re: doing one time work remotely to another state

It depends on which state is the other state. Depending on the nature of the work, these five states may want a piece of your work- New York, Pennsylvania, Delaware, New Jersey and Nebraska.

https://www.rapidtax.com/blog/work-remotely-pay-taxes/
by rooms222
Fri Dec 01, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 1246

Re: Chase Freedom Rental Car Insurance

Certain states allow car rental companies to not have to provide minimal liability coverage to renters. I believe those states include Texas, California, and, if disclosed in a specific fashion, Arizona. These laws are subject to change. Hertz's current rental agreement terms says US-licensed driver...
by rooms222
Tue Nov 28, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Ditched Polar Seltzer for Soda Stream - Flavorings?
Replies: 6
Views: 633

Re: Ditched Polar Seltzer for Soda Stream - Flavorings?

I saw that people have hooked up regular CO2 tanks to the Sodastream to get a much lower cost per liter. There are videos and websites on the internet about how to do it. As for flavorings, I like the packets from TrueLemon. They have orange, lime,lemon, and grapefruit. They are unsweetened crystals...
by rooms222
Fri Nov 17, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6521

Re: My dad's army jacket

Many of the items sold by surplus stores (and Banana Republic) were used and had been declared surplus. On a side note, Banana Republic was so cool at the beginning, they had illustrated catalogs that were really interesting. One of the founders, after being bought out by the owners of the Gap start...
by rooms222
Fri Nov 17, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6521

Re: My dad's army jacket

I was able to wear my Father's late 1950's jacket with Second Army patch and his nametag in the 80's while he was alive. He gave it to me and was happy that I wore it. Wearing one piece of a uniform is not trying to pass yourself off as a member of the military, unless you make statements to the con...
by rooms222
Wed Nov 01, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Cheap low speed unlimited data
Replies: 16
Views: 1697

Re: Cheap low speed unlimited data

If you have a small business as a sole proprietor, Teltik has 2GB of high speed data, then low speed data at 128k with unlimited talk and text for $23.50, including taxes. They resell T-Mobile business plans. They require some evidence of the business, such as a business card, tax ID, assumed name c...
by rooms222
Sat Oct 28, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: My mortgage was sold - let it go, or shop around?
Replies: 15
Views: 1922

Re: My mortgage was sold - let it go, or shop around?

I was very wary of Nationstar because of it's past. I've been with them over 3 years and they have been fine with both payment processing and handling the escrow account. I send push payments from my bank's bill pay, and they have all been accurately recorded. One of the annoying things is that if y...
by rooms222
Tue Oct 10, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2740

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

They only had it at a couple of hundred restaurants nation-wide, and only had 40 packets of sauce per restaurant. They plan to reissue the sauce in much greater quantities in the winter. http://www.freep.com/story/news/local/m ... 745555001/
by rooms222
Sat Aug 05, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 4085

Re: Buy EZ Pass transponder for road trip?

It is much better to mount the EZ pass on the windshield as you are supposed to. If you email customer service for your EZ pass agency and ask for extra mounting strips, they will mail you some, so you can mount it on your rent a car. I try to have a couple pairs ahead of time, so I have some to pu...
by rooms222
Fri Aug 04, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 4085

Re: Buy EZ Pass transponder for road trip?

It is much better to mount the EZ pass on the windshield as you are supposed to. If you email customer service for your EZ pass agency and ask for extra mounting strips, they will mail you some, so you can mount it on your rent a car. I try to have a couple pairs ahead of time, so I have some to put...
by rooms222
Wed Jul 26, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 3214

Re: Where to move? New job, considering Nevada...

As noted in the comments of the article you posted, New York takes a very different view of those that work remotely in their state. http://www.biglawinvestor.com/new-york-telecommuting-tax-penalty/ So does Delaware, Pennsylvania, Nebraska and New Jersey. If you do work remotely for the benefit of a...
by rooms222
Tue Jul 25, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3658

Re: College student daughter got her car totaled. Advice?

I have a Ford Focus with a stick and agree that the current generation should only be purchased with the manual. You could look at the 2011 which was the last year of the previous version. Also, the Scion brand by Toyota has been discontinued. I have found some good values in them as used cars. Japa...
by rooms222
Mon Jul 24, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 4483

Re: What's you safety deposit box fee?

$10 per year for the smallest box at Teamsters Federal Credit Union in Detroit, Michigan. The largest box is $60. Anyone that lives, works, or worships in Wayne County Michigan is eligible for membership. They ask an average monthly balance of $250 in your savings account to have no fees on the acco...
by rooms222
Sat Jul 15, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2796

Re: Outside Pittsburgh short trip ideas

I enjoyed Morgantown WV. The downtown reminded me of Big-10 campus downtowns in the mid to late 80's before higher rents and chain stores changed their character.
by rooms222
Tue Jul 11, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2796

Re: Outside Pittsburgh short trip ideas

Visiting Falling Water was quite the enjoyable experience for me and my crew. http://www.fallingwater.org/
by rooms222
Sun Jun 11, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: International *non-expat* assignment
Replies: 8
Views: 1019

Re: International *non-expat* assignment

I did some work for this on someone in Germany, and there are a couple of points to look into, to see if it is similar. First, in Germany, if you were an American and worked there less than 5 years, you could request your contributions back (not the employer´s), and you would have no pension there, ...
by rooms222
Wed Jun 07, 2017 5:35 am
Forum: Personal Consumer Issues
Topic: DIY Toilet Repair Questions
Replies: 6
Views: 1245

Re: DIY Toilet Repair Questions

We had one fail after 40 years. It literally broke into pieces. Here in Michigan, the water temperature is often as low as 37 degrees much of the year. We have also had to replace the flapper frequently because of the cold water. The shrinkage due to low temperatures seems to be part of the problem....
by rooms222
Wed Jun 07, 2017 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 7977

Re: Housing is too expensive.

If your job is not stable for the long term, you may be a better candidate for FHA financing, especially in California, which is a non-recourse state. FHA only requires 3.5% down. In a non-recourse state, if you have severe financial difficulties in the future, you can walk away and not owe the defi...
by rooms222
Mon Jun 05, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 4006

Re: Gas station prices and quality

I found this AAA report that essentially recommends Top Tier fuel very informative. It also taught me a lot about gasoline sales in the US.

https://www.aaa.com/AAA/common/AAR/file ... Report.pdf