Search found 275 matches

by rooms222
Fri Nov 17, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 52
Views: 2708

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: 52
Views: 2708

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: 1450

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: 1533

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: 2456

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: 3120

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: 3120

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: 2885

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: 3327

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: 3626

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: 2514

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: 2514

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: 857

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: 1054

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: 7189

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: 3574

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
by rooms222
Tue May 30, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: old Canadian money
Replies: 13
Views: 1557

Re: old Canadian money

Selling them on Ebay is a good way to turn them into cash. I have purchased Canadian coins and banknotes. There is an active market. Depending on how much effort you want to put into it, you can maximize time, or money. If you wanted to maximize time, put them up for auction as one lot with a buy it...
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: 993

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: 2664

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: 1442

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: 694

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: 5533

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: 33
Views: 3261

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: 1829

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: 1095

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. m Also, in their FAQ they state that subject to your state law, they transfer the title...
by rooms222
Wed Apr 05, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1285

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: 39
Views: 4500

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: 39
Views: 4500

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: 2923

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: 4161

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: 2858

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: 3496

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: 2075

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: 578

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: 871

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: 809

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: 4824

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: 802

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: 2131

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). m I have both a fully automatic bean to cup Krups and a Nespresso. The Nespresso keeps the freshness in its al...
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: 6679

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: 3032

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: 660

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: 660

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: 1771

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: 1771

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_lic ... IDAVIT.pdf
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: 1189

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: 1661

Re: Michelin Premier AS, anyone have them?

Have you looked at the reviews and ratings on the tire here: m 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 that this is a superior tire. The only tire ranked higher was the Pirelli CINTURATO P...
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: 2789

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...