Search found 362 matches

by Swimmer
Sat Oct 12, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer shopping: Best Buy cheaper than Costco
Replies: 20
Views: 1580

Re: Washer/Dryer shopping: Best Buy cheaper than Costco

After extensive research, I just bought a refrigerator from Costco. I was wary but it was a great experience. The delivery was perfect and I was surprised to learn it had a 90-day return policy for any reason. I also got the 2 year warranty rather than the normal one year. I wasn’t aware of the addi...
by Swimmer
Sat Oct 12, 2019 1:45 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 89
Views: 14063

Re: Chase $750 for depositing 75K

I’ve never done one of these deals. Is the incentive taxable? I would assume so—just asking.
by Swimmer
Sun Oct 06, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 3002

Re: Road Scholar: Unannounced Itinerary Changes

After yet another round of phone calls, I was able to resolve the issue with Road Scholar. They offered me a credit for the full price of the trip and airfare that's good for the next 24 months. Since they offer other programs we are interested in, I accepted. In theory, this is pretty much the sam...
by Swimmer
Fri Oct 04, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20319

Re: financially clueless senior MIL who thinks she’s rich

....but not "senile" in any normal sense....got DHR to petition for guardianship.........judges shot it down twice Can relate to that! Sympathize with your plight. When I consulted family attorney what to do about my 90-something mother's out-of-control lottery ticket buying - after researching our...
by Swimmer
Tue Oct 01, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 3002

Re: Road Scholar: Unannounced Itinerary Changes

Here's the latest: On Sunday, I got a boilerplate response to the email I sent on Friday stating that it is a busy time of the year for them and it can take "at most" 2-3 days to review the issue and respond. As of today (10/1/19) no one had returned my call from last Thursday morning. I found a di...
by Swimmer
Tue Oct 01, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 1949

Re: "Different" things to do in Tokyo

Don’t know how “different,” but we’d walk to the pier at dawn. They’d pull fish out of the ocean and immediately make sushi—best breakfast ever.
by Swimmer
Mon Sep 30, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 3002

Re: Road Scholar: Unannounced Itinerary Changes

Has anyone had a similar experience with Road Scholar? Any advice on how to approach this when they do respond? Unless their contract says they can arbitrarily change the itinerary, sue them in small claims court. If you can manage your finance you can read up on how to file and pursue. Much easier...
by Swimmer
Mon Sep 30, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 3002

Re: Road Scholar: Unannounced Itinerary Changes

I'm not an expert. Quick research suggests existing plans are grandfathered. If I contract with a party to do something, and government regulations prevent it - the contract should address that. If it doesn't, the party I contracted with can't do what I want and I am not under an obligation to pay ...
by Swimmer
Mon Sep 30, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20319

Re: financially clueless senior MIL who thinks she’s rich

The "in denial that he could be sick" is yet another red flag for cognitive decline. As noted above, a bullet-pointed letter to her doctor seems in order at this point. I had to chime in again when I read this. Denial. My father was given days to live in hospice, but mother never comprehended that....
by Swimmer
Sat Sep 28, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20319

Re: financially clueless senior MIL who thinks she’s rich

This is a tough situation. If I were you, would start with her doctor. Meaning, she will have to sign a consent form to allow the doc to speak with you and your spouse regarding her health. If she agrees to this without any hassles you can then explore with the doc just what is her mental state and...
by Swimmer
Sat Sep 28, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20319

Re: financially clueless senior MIL who thinks she’s rich

I hate situations like this because it's really easy to say "butt out" but ultimately you'll be the one cleaning up the mess. Nobody is going to let their mother roam the streets homeless, which means your household will ultimately pay the bill for her irresponsibility. +1. I’ve been through this. ...
by Swimmer
Fri Sep 27, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Road Scholar: Unannounced Itinerary Changes
Replies: 26
Views: 3002

Re: Road Scholar: Unannounced Itinerary Changes

I’ve been on 8 RS Programs. Lately, they seem to be all about the $. Their cancellation policies are unreasonable and not customer friendly in the least. Don’t buy the travel insurance (AON) if you don’t want to pay top dollar. I filed a claim one time and it was one of the major hassles of my life....
by Swimmer
Fri Sep 27, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6360

Re: Do you wash berries?

I noticed Barefoot Contessa Ina Garten doesn’t wash hers.

Perhaps her people do and return them to the store container?

I always rinse them and, like some others, wonder if it does any good.
by Swimmer
Fri Sep 27, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13662

Re: Personal Flagship Representaive Going Away

Within the previous month, we received notification that our family’s rep (all accounts were linked due to the consolidation of assets for accounts using the same mailing address — PO Box with most communication being digital) would be taking another job within Vanguard and that we’d be assigned a ...
by Swimmer
Mon Sep 16, 2019 5:50 pm
Forum: Personal Investments
Topic: 403b: worth it or not?
Replies: 18
Views: 1940

Re: 403b: worth it or not?

Are those the only funds on offer for your 403b? I think you and your colleagues need to band together to petition for better choices. Hoping this bump will get you more answers. When I worked for a not-for-profit, it was the same situation. Principal. I talked to HR and the powers that be until I ...
by Swimmer
Thu Sep 12, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3873

Re: Lending to friend to India

Please tell me this isn’t an Internet romance. Have you seen 90 Day Fiancé?
Run.
by Swimmer
Tue Sep 10, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Will / Estate issue?
Replies: 29
Views: 2334

Re: Opinion on Will / Estate issue?

It sounds like the executor is claiming that the house is not part of the probate estate, maybe because of the way it is titled? I'm not sure why else the house would go directly to the brother or why the will would be defective. I'd probably take it to my own attorney just to make sure the executo...
by Swimmer
Wed Sep 04, 2019 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Help for the Bahamas
Replies: 6
Views: 641

Help for the Bahamas

I’ve looked at Charity Navigator. Does anyone have a specific recommendation?
by Swimmer
Sun Sep 01, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3087

Re: Does anyone have a dishwasher they recommend?

Thanks, all, for your comments and suggestions. This helps a lot!
by Swimmer
Sat Aug 31, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3087

Re: Does anyone have a dishwasher they recommend?

123 wrote:
Sat Aug 31, 2019 2:57 pm
I had a great dishwasher but we had a falling out and she left. She cooked and cleaned as well.

I think I see why she left :shock: .
by Swimmer
Sat Aug 31, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2244

Re: How to clean baked on "carbon" from corners of old cookie sheets

Sunflower wrote:
Fri Aug 30, 2019 1:10 am
Baking soda-vinegar mixture, let set, scrub with aluminum foil.

This is like nails on a chalk board. Ew.
by Swimmer
Sat Aug 31, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2244

Re: How to clean baked on "carbon" from corners of old cookie sheets

DesertDiva wrote:
Fri Aug 30, 2019 1:15 am
Use parchment paper on top of the cookie sheets

+1
by Swimmer
Sat Aug 31, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3087

Does anyone have a dishwasher they recommend?

After a lot of research, I just bought a Whirlpool refrigerator. It had excellent reviews for the most part. Also bought the extended warranty, which I never do, because, well, it seems refrigerators seem to be so unreliable these days. I considered buying the “matching” Whirlpool dishwasher until I...
by Swimmer
Fri Aug 30, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16318

Re: What is your plan for the last few years of a long life?

My wife has kindly offered to put a pillow over my face if this happens, so I'm relieved to not worry about it. I'm just home from the hospital after a seizure. My wife, who had been totally uninterested in personal finance up until that event, finally asked "How can I withdraw money from the portf...
by Swimmer
Thu Aug 29, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance shopping - good alternative to State Farm for auto, home, umbrella
Replies: 20
Views: 1343

Re: Insurance shopping - good alternative to State Farm for auto, home, umbrella

Just got off of the phone with Amica as I'm also searching for combined auto/rental/umbrella insurance. Wow was the guy on the other end vile!!! Immediately crossed them off the list. Nothing I hate more than bad customer service. I recently shopped all our insurance. My experience was completely d...
by Swimmer
Tue Aug 27, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1415

Re: Zelle at non-participating Bank/CU

jmorgans wrote:
Mon Aug 26, 2019 7:37 pm
Swimmer wrote:
Mon Aug 26, 2019 6:48 pm
What’s the difference between Zelle and PopMoney?
One is Betamax and the other VHS but we don’t know which is which yet.

Hilarious and, oh, so helpful. :annoyed
by Swimmer
Mon Aug 26, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1415

Re: Zelle at non-participating Bank/CU

What’s the difference between Zelle and PopMoney?
by Swimmer
Fri Aug 16, 2019 9:54 am
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

I think we’ve seen several red flags wrt the attorney. OP, does this attorney want to manage the trust he says you need long term? I wish you and your family all the best, and am happy you reached out to this board. It will all work out. Be grateful that your dad saved and that, hopefully, you’ll be...
by Swimmer
Thu Aug 15, 2019 7:02 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

OP, I didn’t want to quote the long conversation, but I believe your math/understanding is incorrect. Medicaid will cover the difference between the nursing home cost and his income. His pension, social security, and any other income will all go to the nursing home. MA covers the shortfall. If the n...
by Swimmer
Thu Aug 15, 2019 6:50 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

Oh, one thing I forgot to add...yes, she did need to cash and spend down her IRA which was less than 10k IIRC. She was allowed to keep a bank account of $2k.
by Swimmer
Thu Aug 15, 2019 6:45 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

Because of pensions and Social security there is a gap of about $10,000 per year that needs to be paid with other funds for your dad’s care. Since the total assets are $1.4 million, even if all assets were in a money market fund earning 1%, that would be more than enough to pay for your fathers car...
by Swimmer
Thu Aug 15, 2019 5:54 am
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

Here’s what I would do: -I wouldn’t trust that Medicaid facilities will be good enough going into the future. So I’d avoid that route. -I’d sell the house, simplify his holdings, and go with the three fund portfolio with an AA of 60/40 or so. - Get him in the best nursing home for his condition tha...
by Swimmer
Wed Aug 14, 2019 7:15 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

So $5000 expenses monthly and $4350 income, not counting income from investments. Is that correct? Yes, maybe expenses are closer to $5,200 with various other house related bills. I expect: * The home's rates will increase faster than either inflation or income. Can you get a feel for that? * No fe...
by Swimmer
Wed Aug 14, 2019 5:40 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

I’m very sorry to hear about your father. You are, clearly, in a difficult situation and I sympathize. At 67, your father is relatively young. I never heard of Korsakoff syndrome before, so I googled it. From what I read, I really can’t see how you came up with a seven year life expectancy or any li...
by Swimmer
Wed Aug 07, 2019 7:29 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13662

Re: Personal Flagship Representaive Going Away

Must be another change that's being implemented in waves. I've received no email about flagship reps, and there is still a named flagship rep---same one for the past couple years---listed at the bottom right of the initial page after logging in to my account today. +1 I rarely contact him. When I d...
by Swimmer
Tue Aug 06, 2019 6:51 pm
Forum: Personal Investments
Topic: Inheriting Large IRA, Need Advice
Replies: 9
Views: 996

Re: Inheriting Large IRA, Need Advice

Two pieces of advice:

Take your time and learn as much as you can while the holdings sit.

Do not tell anyone about your windfall.

You are smart to come on here and ask questions. People on this board are amazing (not me).

Best of luck to you and your fiancé.
by Swimmer
Sun Aug 04, 2019 8:08 am
Forum: Personal Investments
Topic: Best CD Rates?
Replies: 20
Views: 3885

Re: Best CD Rates?

aristotelian wrote:
Sun Aug 04, 2019 7:55 am
Have you tried you broker of choice? I like having my CDs all in one place with my other investments.
my preference as well, but Vanguard’s best 12-month CD is 2.0% .
by Swimmer
Sat Aug 03, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Re: Umbrella policy to include seasonal condo

Thank you all fo your responses. We’ve decided to include condo under umbrella.
by Swimmer
Sat Aug 03, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Re: Umbrella policy to include seasonal condo

Is it necessary to have it under the umbrella insurance? No. Is it wise? Probably, yes. Umbrella coverage isn't so much about the liability part, right? It's there in case someone sues you and tries to take all your stuff. If something anywhere in your life happened, not just at the condo, where so...
by Swimmer
Sat Aug 03, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Re: Umbrella policy to include seasonal condo

tadamsmar wrote:
Sat Aug 03, 2019 8:14 am
You have a gas leak due to your negligence and your condo explodes like a big bomb,
Ok. That’s something that didn’t come to mind. Thanks.
by Swimmer
Sat Aug 03, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Re: Umbrella policy to include seasonal condo

I’ve been shopping Insurance. Our new insurance coverage is with Allstate (FL primary home, vehicles, golf cart, umbrella). We have a condo unit in PA which is used 3-4 months/yr. We currently have the condo covered by State Farm. Allstate will not put the condo under the Umbrella policy unless we ...
by Swimmer
Sat Aug 03, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Re: Umbrella policy to include seasonal condo

I’ve been shopping Insurance. Our new insurance coverage is with Allstate (FL primary home, vehicles, golf cart, umbrella). We have a condo unit in PA which is used 3-4 months/yr. We currently have the condo covered by State Farm. Allstate will not put the condo under the Umbrella policy unless we ...
by Swimmer
Sat Aug 03, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 717

Umbrella policy to include seasonal condo

I’ve been shopping Insurance. Our new insurance coverage is with Allstate (FL primary home, vehicles, golf cart, umbrella). We have a condo unit in PA which is used 3-4 months/yr. We currently have the condo covered by State Farm. Allstate will not put the condo under the Umbrella policy unless we p...
by Swimmer
Wed Jul 24, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Natl. Trust Co. - Important Information
Replies: 62
Views: 5675

Re: Vanguard Natl. Trust Co. - Important Information

I do have some concerns. [ . . .] That is, proceeds can be deposited in 529 where grandparent is named as beneficiary (with no tax on bond interest) and later transferred to a grandchild’s 529? I really don’t want to do this and be wrong. Discussion of this general approach comes up a couple of tim...
by Swimmer
Wed Jul 24, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Natl. Trust Co. - Important Information
Replies: 62
Views: 5675

Re: Vanguard Natl. Trust Co. - Important Information

Proceeds are both principal and interest. Read the part about income exclusions to transfer bonds to a 529 plan tax-free. In my case I would not have qualified for a tax free transfer even if I was inclined to do so. Thanks, Steelersfan. I have read about income limitations and think we can meet th...
by Swimmer
Wed Jul 24, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Natl. Trust Co. - Important Information
Replies: 62
Views: 5675

Re: Vanguard Natl. Trust Co. - Important Information

I'm just speculating here, but perhaps there's something you could do involving setting up a (or more than one?) 529 account on behalf of an heir (or heirs?). I gather that you can redeem I bonds and EE bonds tax free if the proceeds are put into a 529. . If you transfer I-Bonds into a 529 account ...
by Swimmer
Mon Jul 22, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Tree guy is no-show; payment was "deposit"
Replies: 47
Views: 6100

Re: Tree guy is no-show; payment was "deposit"

Before going the small claims route, I’d call and tell them you’re coming by today to get your $500 back. If they don’t give it to you, call the local TV station consumer affairs and get them some unfavorable publicity. Tell tree guy you’re doing this. As others have said here, never pay upfront.
by Swimmer
Sun Jul 21, 2019 6:14 pm
Forum: Personal Investments
Topic: Why keep low-interest I Bonds?
Replies: 24
Views: 3069

Re: Why keep low-interest I Bonds?

I have $5000 I-Bonds issued 4-03 with 1.6 fixed. I also have $15000 face value EE Bonds issued 1-03. They will double on 1-20. I didn't do bad with those. Yes, those 17-year doublers are working out, we have some of those. And I note the 17 years went by in a hurry And some of the good ones pay 4% ...
by Swimmer
Fri Jul 19, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Extended warranty for kitchen appliances
Replies: 31
Views: 1955

Re: Extended warranty for kitchen appliances

Thank you everyone! Hmm... It sounds like the range does not need a warranty, but the fridge and the microwave may need it depending on whom you ask. I will take a look at the quotes and the terms (i.e. labor, parts) Use the Costco CitiCard, it’ll add 2 years to your warranty with no additional cos...
by Swimmer
Fri Jul 19, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 1704

Re: Any downside to using 'trusted contact' feature for financial accounts?

----- I think of it as a safety net when cognitive decline hits. There’s no fee to set it up. Our Agent and Trusted Contact are the same person. Vanguard recommends against this choice: "Whom to consider naming as your trusted contact Your trusted contact should be someone you know would be unbiase...